B
The First State Bank of Shelby
ShelbyMT
Rating Date
March 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 8.30
Capitalization Index 10.00
Liquidity Index 4.90
Profitability Index 3.20
Stability Index 7.40
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 3.27%
5-Year Asset Growth 2.67%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans -0.03%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.02%
Non-Performing Loans to Loans 0.00%
Balance Sheet The First State Bank of Shelby
Shelby, MT
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Total Assets 164.37M
Total Deposits 137.88M
Capital and Reserves The First State Bank of Shelby
Shelby, MT
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Capital 25.78M
Leverage Ratio 19.31
Loan Loss Reserves to Loans 0.16%
Risk-Based Capital Ratio --
Liquidity The First State Bank of Shelby
Shelby, MT
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Hot Money Ratio 24.74%
Liquidity Ratio 88.55%
Profitability The First State Bank of Shelby
Shelby, MT
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5-Year Return on Average Assets 0.75%
Net Income 1.17M
Net Interest Spread 2.35%
Operating Profit to Average Assets 0.78%
Overhead Efficiency Ratio 68.37%
Return on Assets 0.74%
Return on Equity 4.69%