The First State Bank of Shelby
Shelby, MT
IDRSSD: 686758
Total Assets
$169.02M
Latest filing
Total Deposits
$142.39M
Latest filing
Net Interest Margin
2.27%
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 04/10/2026Established 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 | 04/10/2026 |
| CERT | 11013 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $169.02M |
| Total Deposits | $142.39M |
| Total Liabilities | $143.19M |
| Total Equity Capital | $25.83M |
| Net Income | $525.00k |
| Net Loans and Leases | $22.62M |
| Assets Per Employee ($Millions) | $11.27M |
| Bank Premises and Fixed Assets | $371.00k |
| Cash and Balances due from Depository Institutions | $17.22M |
| Deposits Held in Domestic Offices | $142.39M |
Key Performance Ratios
| Return on Assets (ROA) | 1.26% |
| Return on Equity (ROE) | 8.14% |
| Net Interest Margin | 2.27% |
| Efficiency Ratio | 56.5% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.282% |
| Earning Assets to total Assets | 97.04% |
Income and Expense
| Total Interest Income | $1.40M |
| Total Noninterest Income | $91.00k |
| Total Interest Expense | $483.00k |
| Total Noninterest Expense | $569.00k |
| Net Interest Income | $916.00k |
| Pre-tax Net Operating Income | $456.00k |
| Provision for Credit Losses | $-18,000 |
| 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 | $797.00k |
| Total Liabilities and Capital | $169.02M |
Securities
| Securities | $125.02M |
| Available-for-sale debt securities | $75.12M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $49.72M |
| 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?
$169.02M as of the latest filing.
How much are The First State Bank of Shelby's total deposits?
$142.39M in total deposits.
Where is The First State Bank of Shelby located?
Shelby, MT.
What is the Net Interest Margin?
2.27%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
1.26%.
How much are total loans and leases?
$22.62M (latest filing).
What is the total interest income (latest filing)?
$1.40M.