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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 22502 · MT B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2276/4307
  • PHOTO-FINISH Anahuac National Bank · TX
  • TIER1-WELL 15.8% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 0.85% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Montana: Anahuac National Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Citizens Bank of Butte

Lowest and highest poles plus nearest scored peers outside Montana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Anahuac National Bank · TX ·…78/100First Citizens Bank… · MT · …78/100Southwest Missouri B… · MO ·…78/100The Cape Cod Five Ce… · MA ·…78/100United Bankers' Bank · MN · …78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Citizens Bank of Butte · July 2026

Plate reading for First Citizens Bank of Butte where failures stay rare

First Citizens Bank of Butte (FDIC Cert #22502) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,276 of 4,307. Tier 1 capital prints at 15.81%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.85%. Balance-sheet scale is $70M, 3,987th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Anahuac National Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Citizens Bank of Butte

Zero FAILURE resolutions in Montana since 2000

First Citizens Bank of Butte is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • Q BANK FORT BENTON, MT 1998 → HERITAGE STATE BANK
  • FIRST SECURITY BANK OF ANACONDA ANACONDA, MT 1992 → BANK OF MONTANA ANACONDA
  • TREASURE STATE BANK GLASGOW, MT 1989 → VALLEY BANK OF GLASGOW

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Montana banks.

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.

0/100100/100National avg77/10078/100
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 Assets

$70M

Total balance-sheet footings

Total Deposits

$49M

Customer-funded liabilities

Net Loans

$34M

Outstanding loan book

Net Income

$607K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.41% 15.81% 17.21%
Basel III capital ratios - First Citizens Bank of Butte

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 47th percentile higher than 47% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Citizens Bank of Butte 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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: First Citizens Bank of Butte

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

What these ratios mean →

Profitability metrics: First Citizens Bank of Butte

Return on Assets (ROA)
32nd percentile nationally
0.85%
Return on Equity (ROE)
7.08%
Efficiency Ratio
73.80%

What these mean →

Income & expense at First Citizens Bank of Butte

$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.

FDIC Failed Bank List → View First Citizens Bank of Butte on FDIC BankFind →

Top banks in Montana by total assets

Largest banks headquartered in Montana
  1. 1
    Glacier Bank $32.0B

    Kalispell, MT · Grade B

  2. 2
    First Interstate Bank $26.6B

    Billings, MT · Grade A

  3. 3
    Stockman Bank of Montana $7.6B

    Miles City, MT · Grade A

  4. 4
    Opportunity Bank of Montana $2.1B

    Helena, MT · Grade B

  5. 5
    The Yellowstone Bank $1.4B

    Laurel, MT · Grade A

Top 5 banks in Montana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($70M here), outside Montana so the neighborhood is not state containment.

First State Bank $70M · IA First Heritage Bank $70M · IA American Exchange Bank $70M · NE Security Bank and Trust Co. $70M · KY

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.

First Citizens Bank of Butte Call Report profile · FDIC Failed Bank List · Montana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Montana

All Montana banks →
BankAssetsGradeROA
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%