FDIC Cert #11013 · Shelby, Montana · Est. 1910

The First State Bank of Shelby - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$164M
Total assets
A
Health grade · Excellent
0.73%
Return on assets
19.3%
Tier 1 capital

Data updated July 2026

The verdict

The First State Bank of Shelby earns a PlainBankData health grade of A (82/100), with well-capitalized at 19.31% Tier 1, 0.73% ROA, 68% efficiency ratio.

#3,252
largest of 4,313 FDIC banks by assets
25th
percentile by asset size, nationally
19.31%
Tier 1 ratio - above the 10% well-capitalized line
26th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 11013 · MT A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1804/4307
  • PHOTO-FINISH Citizens Savings Bank · IA
  • TIER1-WELL 19.3% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.73% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Montana: Citizens Savings Bank, IA (±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 The First State Bank of Shelby

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

Morgan Stanley Bank,… · UT ·…100/100Citizens Savings Bank · IA ·…82/100Concorde Bank · MN · near82/100First State Bank Sou… · MN ·…82/100Security State Bank… · MN · …82/100The First State Bank… · MT ·…82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First State Bank of Shelby · July 2026

Plate reading for The First State Bank of Shelby where failures stay rare

The First State Bank of Shelby (FDIC Cert #11013) carries a PlainBankData health grade of A at 82/100, 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 #1,804 of 4,307. Tier 1 capital prints at 19.31%, clearing the 10% well-capitalized line. The Texas Ratio is 0.02%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.73%. Balance-sheet scale is $164M, 3,252nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Savings Bank (IA), 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 The First State Bank of Shelby

Zero FAILURE resolutions in Montana since 2000

The First State Bank of Shelby 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 The First State Bank of Shelby's 82/100 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 avg77/10082/100
The First State Bank of Shelby's composite health score
Tier 1 Capital Ratio (19.31%) 40/40
Return on Assets (ROA) (0.73%) 14/25
Texas Ratio (0.02%) 20/20
Efficiency Ratio (68.37%) 8/15

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

Balance sheet at a glance

Total Assets

$164M

Total balance-sheet footings

Total Deposits

$138M

Customer-funded liabilities

Net Loans

$25M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.91% 19.31% 20.71%
Basel III capital ratios - The First State Bank of Shelby

Where The First State Bank of Shelby ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First State Bank of Shelby's score of 82/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

82 Top 42% higher than 58% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First State Bank of Shelby 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

The First State Bank of Shelby'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). The First State Bank of Shelby's $164M falls in the highlighted band.

Safety metrics: The First State Bank of Shelby

Tier 1 capital ratio
Well-capitalized 10%

19.31% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
19.31%
Texas Ratio
0.02%
Equity Capital
$26M

What these ratios mean →

Profitability metrics: The First State Bank of Shelby

Return on Assets (ROA)
26th percentile nationally
0.73%
Return on Equity (ROE)
4.71%
Efficiency Ratio
68.37%

What these mean →

Income & expense at The First State Bank of Shelby

$5M
Interest Income
$404K
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. The First State Bank of Shelby reports a Texas Ratio of 0.02% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.02% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First State Bank of Shelby 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 ($164M here), outside Montana so the neighborhood is not state containment.

Impact Bank $164M · KS Union State Bank $165M · IA Bank 1st $164M · IA Security Bank of Texas $164M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First State Bank of Shelby (FDIC Cert #11013) - 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.

The First State Bank of Shelby 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%