The First State Bank of Shelby
Shelby, MT
IDRSSD: 686758
Total Assets
$164.37M
Latest filing
Total Deposits
$137.88M
Latest filing
Net Interest Margin
2.34%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
092902271SHELBY, MT
Key People
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Locations
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Main Office
The First State Bank of Shelby
320 Main St
Shelby, MT 59474
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1910FDIC Certificate 7060
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| The First State Bank of Shelby (Main) | 320 Main St | Shelby, MT | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 59474 |
| State and County Number | 30101 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 16 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fsbshelby.com |
| Data Updated | 01/30/2026 |
| CERT | 11013 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $164.37M |
| Total Deposits | $137.88M |
| Total Liabilities | $138.59M |
| Total Equity Capital | $25.78M |
| Net Income | $240.00k |
| Net Loans and Leases | $24.87M |
| Assets Per Employee ($Millions) | $10.27M |
| Bank Premises and Fixed Assets | $383.00k |
| Cash and Balances due from Depository Institutions | $13.35M |
| Deposits Held in Domestic Offices | $137.88M |
Key Performance Ratios
| Return on Assets (ROA) | 0.58% |
| Return on Equity (ROE) | 3.68% |
| Net Interest Margin | 2.34% |
| Efficiency Ratio | 75.87% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.684% |
| Earning Assets to total Assets | 96.96% |
Income and Expense
| Total Interest Income | $1.46M |
| Total Noninterest Income | $98.00k |
| Total Interest Expense | $526.00k |
| Total Noninterest Expense | $783.00k |
| Net Interest Income | $934.00k |
| Pre-tax Net Operating Income | $300.00k |
| Provision for Credit Losses | $-51,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $710.00k |
| Total Liabilities and Capital | $164.37M |
Securities
| Securities | $122.16M |
| Available-for-sale debt securities | $71.19M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $50.79M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First State Bank of Shelby?
$164.37M as of the latest filing.
How much are The First State Bank of Shelby's total deposits?
$137.88M in total deposits.
Where is The First State Bank of Shelby located?
Shelby, MT.
What is the Net Interest Margin?
2.34%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
0.58%.
How much are total loans and leases?
$24.87M (latest filing).
What is the total interest income (latest filing)?
$1.46M.