Headquartered in Shelby, Montana, The First State Bank of Shelby is a state-chartered bank with $175.6M in total assets and $148.5M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1910.
Based on its Q2 2026 filing, The First State Bank of Shelby scores 93/100, which we describe as very strong. That is higher than 98% of 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 2nd. Its strongest component is capital cushion (100/100; 19.38%), and its lowest is earnings (71/100; 1.28%).
TellerScore · Q2 2026
Scorecard
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 (89 → 93), mostly because the earnings component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 81 |
| Q4 2024 | 81 |
| Q1 2025 | 88 |
| Q2 2025 | 89 |
| Q3 2025 | 87 |
| Q4 2025 | 88 |
| Q1 2026 | 93 |
| Q2 2026 | 93 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 20.80% |
| Q3 2024 | 20.90% |
| Q4 2024 | 20.81% |
| Q1 2025 | 20.94% |
| Q2 2025 | 20.87% |
| Q3 2025 | 20.84% |
| Q4 2025 | 19.31% |
| Q1 2026 | 19.69% |
| Q2 2026 | 19.38% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.24% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.57% |
| Q3 2024 | -0.26% |
| Q4 2024 | -0.17% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.73% |
| Q1 2026 | 1.26% |
| Q2 2026 | 1.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 93 | $175.6M | 19.38% | 0.00% | 1.28% | 16.5% |
| Q1 2026 | 93 | $169.0M | 19.69% | 0.00% | 1.26% | 15.9% |
| Q4 2025 | 88 | $164.4M | 19.31% | 0.02% | 0.73% | 18.0% |
| Q3 2025 | 87 | $165.4M | 20.84% | 0.24% | 0.77% | 18.5% |
| Q2 2025 | 89 | $159.1M | 20.87% | 0.01% | 0.69% | 18.3% |
| Q1 2025 | 88 | $159.7M | 20.94% | 0.03% | 0.65% | 16.4% |
| Q4 2024 | 81 | $159.2M | 20.81% | 0.02% | -0.17% | 18.7% |
| Q3 2024 | 81 | $156.8M | 20.90% | 0.03% | -0.26% | 22.2% |
| Q2 2024 | 79 | $156.8M | 20.80% | 0.04% | -0.57% | 21.1% |
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).
Similar-size banks in Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eagle BankBank Polson, MT | 92 out of 100, Very strong | $179.5M | 13.0% | 0.00% | vs |
| First State Bank of ForsythBank Forsyth, MT | 71 out of 100, Strong | $165.5M | 12.1% | 1.69% | vs |
| The First State Bank of MaltaBank Malta, MT | 70 out of 100, Strong | $189.7M | 14.4% | 2.20% | vs |
| The Bank of BakerBank Baker, MT | 74 out of 100, Strong | $160.9M | 10.9% | 0.72% | vs |
| Freedom BankBank Columbia Falls, MT | 78 out of 100, Strong | $157.3M | 12.2% | 0.54% | vs |
| Citizens Bank & Trust CompanyBank Big Timber, MT | 49 out of 100, Below average | $155.4M | 9.9% | 3.15% | vs |
Deposit insurance
Is my money safe at The First State Bank of Shelby?
Yes. The First State Bank of Shelby is an FDIC-insured institution (FDIC certificate #11013). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.9% of deposits ($37.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 19.38%, 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%).
1 location
Branches
The First State Bank of Shelby lists 1 office in 1 city. Most locations:
- Shelby, MT (1)
Identity & history
Profile
- Legal name
- The First State Bank of Shelby
- Type
- State-chartered bank
- FDIC certificate #
- 11013
- RSSD ID
- 686758
- Primary regulator
- FDIC
- Holding company
- Prairie Bancshares Corp
- Established
- January 1, 1910
- Headquarters
- 320 Main St, Shelby, MT 59474
- Website
- www.fsbshelby.com
- Employees
- 16
Quick answers
The First State Bank of Shelby: common questions
Is The First State Bank of Shelby FDIC insured?
Yes. The First State Bank of Shelby is an FDIC-insured institution (FDIC certificate #11013). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First State Bank of Shelby's TellerScore?
93 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First State Bank of Shelby ever failed?
There is no failure record for FDIC certificate #11013 in the FDIC failed bank list.
How many branches does The First State Bank of Shelby have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Shelby
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Independence BankBank Havre, MT | 84 out of 100, Strong | $1.4B | 13.4% | 0.46% | vs |
| 1st Liberty Federal Credit UnionCredit union Great Falls, MT | 84 out of 100, Strong | $214.2M | 14.4% | 0.28% | vs |
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |