Bank of Montana vs First State Bank of Shelby
Side-by-side bank health comparison using FDIC financial data
Bank of Montana (A) and First State Bank of Shelby (A) are close on the BankHealth rubric. Asset bases: $297M versus $157M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Bank of Montana has a stronger Bank Health Score of 100/100 (A) compared to First State Bank of Shelby at 90/100 (A), a difference of 10 points. Bank of Montana holds a Tier 1 capital ratio of 31.0% and an NPL ratio of 0.00%.
| Metric | Bank of Montana | First State Bank of Shelby |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 90/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 31.0%* | 20.8% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 68.5% | 79.0%* |
| Return on Assets Profitability metric (above 1% is strong) | 5.5%* | -0.8% |
| Total Assets | $297M | $157M |
| Total Deposits | $268M | $124M |
| Location | Missoula, Montana | Shelby, Montana |
Bank of Montana has a stronger Bank Health Score of 100/100 (A) compared to First State Bank of Shelby at 90/100 (A), a difference of 10 points. Bank of Montana holds a Tier 1 capital ratio of 31.0% and an NPL ratio of 0.00%.