Manhattan Bank vs First State Bank of Shelby
Side-by-side bank health comparison using FDIC financial data
Manhattan Bank (A) and First State Bank of Shelby (A) are close on the BankHealth rubric. Asset bases: $259M 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
Manhattan Bank has a stronger Bank Health Score of 96/100 (A) compared to First State Bank of Shelby at 90/100 (A), a difference of 6 points. Manhattan Bank holds a Tier 1 capital ratio of 14.9% and an NPL ratio of 0.04%.
| Metric | Manhattan Bank | First State Bank of Shelby |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 96/100 (A)* | 90/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 14.9% | 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 | 32.1% | 79.0%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.0%* | -0.8% |
| Total Assets | $259M | $157M |
| Total Deposits | $227M | $124M |
| Location | Manhattan, Montana | Shelby, Montana |
Manhattan Bank has a stronger Bank Health Score of 96/100 (A) compared to First State Bank of Shelby at 90/100 (A), a difference of 6 points. Manhattan Bank holds a Tier 1 capital ratio of 14.9% and an NPL ratio of 0.04%.