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BDI
FS

The First State Bank of Malta

Malta, MontanaFDIC Cert #1982

STATEEstablished 19031 branch

Holding company: FS BANCO INCRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$0
Investor CRE$4.62M
Multifamily$0
Construction$594K
1–4 family$460K
C&I$6.39M
Agriculture$47.1M
Other$3.46M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$62.6M
−6.2%y/y
Percentile by value11th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSGR
Net loans
$60.7M
−6.6%y/y
Percentile by value11th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET
Loans YoY
−6.56%
−160.4%y/y
Percentile by value6th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET
L/D
35.8%
−18.9%y/y
Percentile by value4th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET + DEP
Loans/assets
31.4%
−18.3%y/y
Percentile by value4th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET + ASSET
RE loans %
57.50%
+17.8%y/y
Percentile by value16th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
3,192points
−3.2%y/y
Peer standing18th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
0.00%
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNRENROW + LNLSGR
Investor CRE %
7.38%
+116.0%y/y
Percentile by value45th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNRENROT + LNLSGR
C&I %
10.21%
−15.8%y/y
Percentile by value51st percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNCI + LNLSGR