The First State Bank of Shelby

Shelby, MontanaFDIC Cert #11013

STATEEstablished 19101 branch

Holding company: PRAIRIE BANCSHARES CORPRegulator: FDIC

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

Latest reported loan balances by category
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

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$22.6M

+2.3%y/y

Percentile by value2nd percentileby value

FDICLNLSGR

Net loans

$22.6M

+2.5%y/y

Percentile by value2nd percentileby value

FDICLNLSNET

Loans YoY

+2.53%

+974.4%y/y

Percentile by value34th percentileby value

FDICLNLSNET

L/D

15.9%

−3.2%y/y

Percentile by value1st percentileby value

FDICLNLSNET + DEP

Loans/assets

13.4%

−3.1%y/y

Percentile by value2nd percentileby value

FDICLNLSNET + ASSET

RE loans %

40.11%

+7.8%y/y

Percentile by value3rd percentileby value

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

2,090points

−10.2%y/y

Peer standing66th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.11%

−35.7%y/y

Percentile by value7th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

13.23%

−3.6%y/y

Percentile by value71st percentileby value

FDICLNRENROT + LNLSGR

C&I %

19.19%

+25.6%y/y

Percentile by value86th percentileby value

FDICLNCI + LNLSGR