$169M
+5.8%y/y
Percentile by value42nd percentileby value
FDIC
ASSETFS
The First State Bank of Shelby
Shelby, MontanaFDIC Cert #11013
STATEEstablished 19101 branch
Holding company: PRAIRIE BANCSHARES CORPRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe First State Bank of Shelby reported $169M in total assets. Deposits grew 5.89% over the prior year.
Return on assets was 1.26%, compared with an asset-peer median of 1.18%. The leverage ratio was 19.69%.
- Why is Tier 1 Leverage Ratio above asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Efficiency Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$142M
+5.9%y/y
Percentile by value41st percentileby value
FDIC
DEP$22.6M
+2.5%y/y
Percentile by value2nd percentileby value
FDIC
LNLSNET1.26%
+61 bpsy/y
Peer standing55th percentile
FDIC
NETINC + ROA56.50%
−1,347 bpsy/y
Peer standing72nd percentile
FDIC
NONIX + NIM + NONII + EEFFR19.69%
−125 bpsy/y
Peer standing95th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $152M | $121M |
| Q3 2021 | $164M | $132M |
| Q4 2021 | $191M | $161M |
| Q1 2022 | $188M | $161M |
| Q2 2022 | $182M | $157M |
| Q3 2022 | $181M | $157M |
| Q4 2022 | $178M | $154M |
| Q1 2023 | $168M | $140M |
| Q2 2023 | $169M | $125M |
| Q3 2023 | $168M | $121M |
| Q4 2023 | $165M | $119M |
| Q1 2024 | $162M | $118M |
| Q2 2024 | $157M | $124M |
| Q3 2024 | $157M | $124M |
| Q4 2024 | $159M | $135M |
| Q1 2025 | $160M | $134M |
| Q2 2025 | $159M | $134M |
| Q3 2025 | $165M | $138M |
| Q4 2025 | $164M | $138M |
| Q1 2026 | $169M | $142M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $25K |
| Investor CRE | $3M |
| Multifamily | $0 |
| Construction | $0 |
| 1–4 family | $0 |
| C&I | $4.35M |
| Agriculture | $12.6M |
| Other | $2.7M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.26%55th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE8.14%32nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY2.27%2nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR56.50%72nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP+5.89%64th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+2.53%34th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ19.69%95th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.26%50th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.26%35th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.89%Median 1.37%90th 2.59%Observations 35
ROE
FDIC
NETINC + ROE8.14%15th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.05%Median 13.69%90th 22.11%Observations 35
NIM
FDIC
NIM + NIMY2.27%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.22%Median 4.12%90th 5.03%Observations 35
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR56.50%50th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.48%Median 56.50%90th 74.20%Observations 35
Deposits YoY
FDIC
DEP+5.89%35th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.59%Median +6.71%90th +13.73%Observations 35
Loans YoY
FDIC
LNLSNET+2.53%42nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.80%Median +4.29%90th +15.08%Observations 34
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.72%90th 3.10%Observations 34
Leverage
FDIC
RBC1AAJ19.69%97th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.24%Median 10.21%90th 15.10%Observations 35
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.26%50th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.61%Median 2.26%90th 2.87%Observations 35
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 27%Median 163%90th 265%Observations 21
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.26%43rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.80%Median 1.31%90th 1.92%Observations 15
ROE
FDIC
NETINC + ROE8.14%21st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.91%Median 13.12%90th 20.78%Observations 15
NIM
FDIC
NIM + NIMY2.27%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.96%Median 4.24%90th 5.11%Observations 15
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR56.50%57th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.78%Median 57.86%90th 76.98%Observations 15
Deposits YoY
FDIC
DEP+5.89%21st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +2.96%Median +7.34%90th +14.04%Observations 15
Loans YoY
FDIC
LNLSNET+2.53%36th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.14%Median +4.47%90th +11.06%Observations 15
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.73%90th 2.73%Observations 15
Leverage
FDIC
RBC1AAJ19.69%100th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.27%Median 10.20%90th 14.87%Observations 15
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.26%50th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.68%Median 2.26%90th 2.55%Observations 15
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 120%Median 140%90th 199%Observations 7
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Shelby, MT
FDIC
OFFDOMOpen the Montana dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data