Montana State Bank

Headquarters

220 North Main Street
Plentywood, MT 59254
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Montana State Bank is an FDIC insured institution located in Plentywood, MT. It was founded in 1917 and has approximately $0.08 billion in assets.

FDIC Insured Yes
FDIC Certificate # 2201
Date Established 1917
Assets $ 78.82 million
Loans $ 35.20 million
Deposits $ 73.44 million
Capital $ 9.49 million
 

For a more detailed analysis of Montana State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Montana State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,118 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
$0 Learn More
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Note to Montana State Bank
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Branches

Montana State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Montana State Bank Locations


Financial Details

Montana State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Montana State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Montana State Bank U.S. Bank Average
4.57% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Montana State Bank had $434,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $9,494,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 4.57%.

Return on Equity
Montana State Bank U.S. Bank Average
10.97% 7.80%

Montana State Bank has a Return on Equity of 10.97% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Montana State Bank U.S. Bank Average
12.05% 12.68%

Montana State Bank has a Capitalization of 12.05% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Montana State Bank Balance Sheet Analysis

As of December 31, 2016, Montana State Bank had assets of $83,073,000, loans of $35,200,000, and deposits of $73,437,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 35.20 million
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 73.44 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 78.82 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Montana State Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Consumer Auto Loans.

Compared to other banks in Montana, Montana State Bank has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.73
Multifamily
Mortgages
0.05
Credit Card Loans 0.00
Consumer Auto Loans 2.70
Small Business Loans 2.28
Construction and Development Loans 0.00
Commercial Real Estate 2.28
Commercial and Industrial Loans 10.08
Farm Loans 50.06

Frequently Asked Questions About Montana State Bank

Branches and Savings

Is Montana State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #2201.

Why does Montana State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Montana State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Montana State Bank a commercial bank?

Yes

Where are Montana State Bank locations?

See branch locations nearby.

Is Montana State Bank open on Saturdays?

Is Montana State Bank open on Sundays?

What time does Montana State Bank open?

What time does Montana State Bank close?

Are Montana State Bank ATMs Open 24/7?

Do Montana State Bank ATMs accept cash deposits?

Can Montana State Bank customers use other ATMs?

Do Montana State Bank branches have notaries?

Will Montana State Bank notarize my document?

What address for Montana State Bank should I put for incoming ACH transfers?

Will the Montana State Bank branch print checks?

Do Montana State Bank checks expire?

Does Montana State Bank require US citizenship to open account?

Can Montana State Bank close my account?

Does Montana State Bank Report to credit bureaus?

Does Montana State Bank Use Equifax?

What is Montana State Bank's ACH Routing Number?

What is Montana State Bank's SWIFT code?

Products

Does Montana State Bank offer mortgages?

Compare mortgage rates here.

Does Montana State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Montana State Bank offer personal loans?

Compare personal loan rates here.

Does Montana State Bank offer student loans?

Will Montana State Bank cash a check?

Will Montana State Bank redeem a savings bond?

Does Montana State Bank cash savings bonds?

Will Montana State Bank cash money orders?

Can Montana State Bank issue a money order?

Does Montana State Bank do currency exchange?

Background on The Bank

Who owns Montana State Bank?

How long has Montana State Bank been around?

Can Montana State Bank transfer to other banks?

Does Montana State Bank have quick pay?

Does Montana State Bank accept rolled coins?

Will Montana State Bank accept loose change?

Where is Montana State Bank headquarters?

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