B
The First State Bank of Shelby
Shelby,  MT
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The First State Bank of Shelby
Shelby, MT
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Rating B
Asset Quality Index 8.50
Capitalization Index 10.00
Liquidity Index 5.20
Profitability Index 3.90
Stability Index 7.70
Company Info The First State Bank of Shelby
Shelby, MT
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FDIC Number 11013
Phone Number (406) 434-5567
Website www.fsbshelby.com
Asset Quality The First State Bank of Shelby
Shelby, MT
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1-Year Asset Growth 10.39%
5-Year Asset Growth 2.67%
5-Year Charge-Offs to Average Loans -0.10%
Charge-Offs to Average Loans -0.57%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet The First State Bank of Shelby
Shelby, MT
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Total Assets 175.64M
Total Deposits 148.48M
Capital and Reserves The First State Bank of Shelby
Shelby, MT
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Capital 26.36M
Leverage Ratio 19.38
Loan Loss Reserves to Loans 0.13%
Risk-Based Capital Ratio --
Liquidity The First State Bank of Shelby
Shelby, MT
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Hot Money Ratio 22.15%
Liquidity Ratio 90.02%
Profitability The First State Bank of Shelby
Shelby, MT
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5-Year Return on Average Assets 0.70%
Net Income 1.08M
Net Interest Spread 2.52%
Operating Profit to Average Assets 1.20%
Overhead Efficiency Ratio 56.09%
Return on Assets 1.29%
Return on Equity 8.35%