TellerScore

First State Bank of Forsyth is a state-chartered bank headquartered in Forsyth, Montana, in business for about 109 years. At the end of Q2 2026 it reported $165.5M in total assets and $143.4M in deposits, with 1 office.

First State Bank of Forsyth has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 17th. Earnings contributes the most (91/100, 1.77%); loan quality contributes the least (44/100, 1.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Tier 1 leverage ratio: 12.08%
Loan quality44/100
Noncurrent loans ÷ total loans: 1.69%
Earnings91/100
Return on assets (annualized): 1.77%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 62.3% · 27.0% uninsured
Problem-loan coverage81/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.45%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (67 → 71), mostly because the earnings component improved by 13 points.

TellerScore
536271Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202454
Q3 202453
Q4 202454
Q1 202564
Q2 202567
Q3 202568
Q4 202564
Q1 202655
Q2 202671
Tier 1 leverage ratio
5.00%8.60%12.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.34%
Q3 202411.31%
Q4 202410.96%
Q1 202511.50%
Q2 202512.15%
Q3 202512.20%
Q4 202511.31%
Q1 202611.35%
Q2 202612.08%
Noncurrent loans
1.66%2.30%2.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20242.67%
Q3 20242.79%
Q4 20242.56%
Q1 20251.86%
Q2 20251.79%
Q3 20251.66%
Q4 20251.84%
Q1 20262.95%
Q2 20261.69%
Return on assets
1.12%1.45%1.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.12%
Q3 20241.17%
Q4 20241.22%
Q1 20251.34%
Q2 20251.45%
Q3 20251.40%
Q4 20251.45%
Q1 20261.51%
Q2 20261.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$165.5M12.08%1.69%1.77%62.3%
Q1 202655$167.8M11.35%2.95%1.51%56.2%
Q4 202564$170.5M11.31%1.84%1.45%52.8%
Q3 202568$158.5M12.20%1.66%1.40%58.9%
Q2 202567$150.8M12.15%1.79%1.45%57.7%
Q1 202564$154.4M11.50%1.86%1.34%54.2%
Q4 202454$165.1M10.96%2.56%1.22%48.8%
Q3 202453$155.2M11.31%2.79%1.17%58.4%
Q2 202454$151.9M11.34%2.67%1.12%60.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.08%
66th
Total risk-based capital0.00%
24th
Problem loans1.69%
16th
Net charge-offs-0.23%
99th
Return on assets1.77%
79th
Net interest margin3.88%
46th
Efficiency ratio43.2%
93rd
Loans to deposits62.3%
80th
Uninsured deposits27.0%
39th
Loan-loss reserves2.23%
96th
Texas ratio9.5%
19th

Similar-size banks in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of BakerBank Baker, MT74 out of 100, Strong$160.9M10.9%0.72%vs
Freedom BankBank Columbia Falls, MT78 out of 100, Strong$157.3M12.2%0.54%vs
The First State Bank of ShelbyBank Shelby, MT93 out of 100, Very strong$175.6M19.4%0.00%vs
Citizens Bank & Trust CompanyBank Big Timber, MT49 out of 100, Below average$155.4M9.9%3.15%vs
Eagle BankBank Polson, MT92 out of 100, Very strong$179.5M13.0%0.00%vs
The First State Bank of MaltaBank Malta, MT70 out of 100, Strong$189.7M14.4%2.20%vs

Deposit insurance

Is my money safe at First State Bank of Forsyth?

Yes. First State Bank of Forsyth is an FDIC-insured institution (FDIC certificate #8317). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.0% of deposits ($38.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

First State Bank of Forsyth lists 1 office in 1 city. Most locations:

  • Forsyth, MT (1)

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank of Forsyth
Former names
Forsyth State Bank
Type
State-chartered bank
FDIC certificate #
8317
RSSD ID
597658
Primary regulator
FDIC
Holding company
Forsyth Bancshares Inc
Established
January 1, 1917
Headquarters
880 Main St, Forsyth, MT 59327
Employees
19

Quick answers

First State Bank of Forsyth: common questions

Is First State Bank of Forsyth FDIC insured?

Yes. First State Bank of Forsyth is an FDIC-insured institution (FDIC certificate #8317). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank of Forsyth's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First State Bank of Forsyth ever failed?

There is no failure record for FDIC certificate #8317 in the FDIC failed bank list.

How many branches does First State Bank of Forsyth have?

1 office as of the latest FDIC data.