FDIC Cert #8317 · Forsyth, Montana · Est. 1917

First State Bank of Forsyth - FDIC Bank Health Profile

A community-scale look at First State Bank of Forsyth's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$170M
Total assets
B
Health grade · Good
1.45%
Return on assets
11.3%
Tier 1 capital

Data updated July 2026

The verdict

First State Bank of Forsyth earns a PlainBankData health grade of B (79/100), with well-capitalized at 11.31% Tier 1, profitable at 1.45% ROA, efficient (48% cost ratio).

#3,212
largest of 4,313 FDIC banks by assets
25th
percentile by asset size, nationally
11.31%
Tier 1 ratio - above the 10% well-capitalized line
72nd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 8317 · MT B · 79/100

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

  • GRADE-B B (79/100)
  • MID-PACK #2126/4307
  • PHOTO-FINISH Tensas State Bank · LA
  • TIER1-WELL 11.3% Tier 1
  • TEXAS-CLEAN 8.7% Texas
  • ROA-STRONG 1.45% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Montana: Tensas State Bank, LA (±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 State Bank of Forsyth

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

Morgan Stanley Bank,… · UT ·…100/100Atkins Savings Bank… · IA · …79/100First State Bank of… · MT · …79/100Merchants and Farmer… · AR ·…79/100NEXTIER BANK, NATION… · PA ·…79/100Tensas State Bank · LA · near79/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First State Bank of Forsyth · July 2026

Plate reading for First State Bank of Forsyth where failures stay rare

First State Bank of Forsyth (FDIC Cert #8317) carries a PlainBankData health grade of B at 79/100, 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 #2,126 of 4,307. Tier 1 capital prints at 11.31%, clearing the 10% well-capitalized line. The Texas Ratio is 8.65%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.45%. Balance-sheet scale is $170M, 3,212th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Tensas State Bank (LA), 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 State Bank of Forsyth

Zero FAILURE resolutions in Montana since 2000

First State Bank of Forsyth 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 State Bank of Forsyth's 79/100 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 avg77/10079/100
First State Bank of Forsyth's composite health score
Tier 1 Capital Ratio (11.31%) 28/40
Return on Assets (ROA) (1.45%) 20/25
Texas Ratio (8.65%) 16/20
Efficiency Ratio (48.06%) 15/15

79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$170M

Total balance-sheet footings

Total Deposits

$149M

Customer-funded liabilities

Net Loans

$78M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.91% 11.31% 12.71%
Basel III capital ratios - First State Bank of Forsyth

Where First State Bank of Forsyth ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank of Forsyth's score of 79/100 falls in the highlighted band.

First State Bank of Forsyth: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

79 Top 49% higher than 51% 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 State Bank of Forsyth 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 State Bank of Forsyth'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 State Bank of Forsyth's $170M falls in the highlighted band.

Safety metrics: First State Bank of Forsyth

Tier 1 capital ratio
Well-capitalized 10%

11.31% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.31%
Texas Ratio
8.65%
Equity Capital
$15M

What these ratios mean →

Earnings posture at First State Bank of Forsyth

Return on Assets (ROA)
72nd percentile nationally
1.45%
Return on Equity (ROE)
17.50%
Efficiency Ratio
48.06%

What these mean →

Income & expense at First State Bank of Forsyth

$7M
Interest Income
$234K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank of Forsyth reports a Texas Ratio of 8.65% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.65% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First State Bank of Forsyth 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 ($170M here), outside Montana so the neighborhood is not state containment.

PBK BANK, INC. $171M · KY State Bank of Southwest Missouri $171M · MO Equitable Savings and Loan Association $170M · CO United Trust Bank $171M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank of Forsyth (FDIC Cert #8317) - 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 State Bank of Forsyth 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%