Total Assets
$70M
Total balance-sheet footings
FDIC Cert #22502 · Butte, Montana · Est. 1977
First Citizens Bank of Butte - FDIC Bank Health Profile
A community-scale look at First Citizens Bank of Butte's own numbers, pulled straight from its quarterly FDIC Call Report.
- $70M
- Total assets
- B
- Health grade · Good
- 0.85%
- Return on assets
- 15.8%
- Tier 1 capital
Data updated July 2026
The verdict
First Citizens Bank of Butte earns a PlainBankData health grade of B (78/100), with well-capitalized at 15.81% Tier 1, 0.85% ROA, 74% efficiency ratio.
- #3,987
- largest of 4,313 FDIC banks by assets
- 8th
- percentile by asset size, nationally
- 15.81%
- Tier 1 ratio - above the 10% well-capitalized line
- 32nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First Citizens Bank of Butte's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Citizens Bank of Butte's composite health score
Tier 1 Capital Ratio (15.81%) 40/40
Return on Assets (ROA) (0.85%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (73.80%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$49M
Customer-funded liabilities
Net Loans
$34M
Outstanding loan book
Net Income
$607K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Citizens Bank of Butte ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Citizens Bank of Butte's score of 78/100 falls in the highlighted band.
First Citizens Bank of Butte's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Citizens Bank of Butte's $70M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.81%
Texas Ratio
0.00%
Equity Capital
$8M
Profitability metrics
Return on Assets (ROA)
32nd percentile nationally
0.85%
Return on Equity (ROE)
7.08%
Efficiency Ratio
73.80%
What the numbers say about First Citizens Bank of Butte
First Citizens Bank of Butte is an FDIC-insured institution (Certificate #22502) headquartered in Butte, Montana, established in 1977. It holds $70M in total assets - 3,987th of 4,313 FDIC-insured banks, $49M in customer deposits, and $34M in net loans. On safety, its Tier 1 capital ratio of 15.81% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, First Citizens Bank of Butte ranks 34th of 36 banks based in Montana -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$3M
Interest Income
$206K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Citizens Bank of Butte reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Montana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Citizens Bank of Butte (FDIC Cert #22502) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Montana
All Montana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Glacier BankKalispell | $32.0B | B | 0.90% |
| First Interstate BankBillings | $26.6B | A | 1.20% |
| Stockman Bank of MontanaMiles City | $7.6B | A | 1.87% |
| Opportunity Bank of MontanaHelena | $2.1B | B | 0.83% |
| The Yellowstone BankLaurel | $1.4B | A | 2.85% |
| Independence BankHavre | $1.3B | A | 1.57% |
| TrailWest BankLolo | $1.1B | A | 1.88% |
| Bank of Bridger, National AssociationBridger | $799M | A | 0.72% |
Frequently asked questions
What is First Citizens Bank of Butte's health grade?▼
First Citizens Bank of Butte receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Citizens Bank of Butte?▼
First Citizens Bank of Butte holds $70M in total assets and $49M in deposits, ranking 3,987th of 4,313 FDIC-insured banks by asset size. It is headquartered in Butte, Montana.
Is my money safe at First Citizens Bank of Butte?▼
Yes, deposits at First Citizens Bank of Butte (Certificate #22502) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Citizens Bank of Butte's Tier 1 Capital Ratio?▼
First Citizens Bank of Butte has a Tier 1 Capital Ratio of 15.81%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Citizens Bank of Butte?▼
First Citizens Bank of Butte has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Citizens Bank of Butte?▼
First Citizens Bank of Butte has an Efficiency Ratio of 73.80%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Citizens Bank of Butte's profile as a depositor or analyst.
- First Citizens Bank of Butte's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Citizens Bank of Butte against other Montana banks before moving funds. Montana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.