The First State Bank of Shelby

320 Main Street
Shelby, MT 59474

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11013
Date Established 1910
Assets $0.12 billion
Loans $0.03 billion
Deposits $0.10 billion
Capital $0.03 billion

The First State Bank of Shelby is an FDIC insured institution located in Shelby, MT. It was founded in 1910 and has approximately $0.12 billion in assets.

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

Deposit Rates - October 14, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $1 - Learn MoreShow Less
CD Rates APY MIN MAX
0.55% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.70% $100,000 - Learn MoreShow Less
0.90% $500 $99,999 Learn MoreShow Less
6 Mo CD
1.20% $100,000 - Learn MoreShow Less
1.21% $500 $99,999 Learn MoreShow Less
12 Mo CD
1.40% $100,000 - Learn MoreShow Less
18 Mo CD
1.31% $500 - Learn MoreShow Less
24 Mo CD
1.51% $500 - Learn MoreShow Less
30 Mo CD
1.56% $500 - Learn MoreShow Less
36 Mo CD
1.71% $500 - Learn MoreShow Less

Int Checking Rates APY MIN MAX
Int Ckg
0.20% $1 - Learn MoreShow Less

Loan Rates - October 14, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for The First State Bank of Shelby

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.634% 3.625% 0.13 $265 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to The First State Bank of Shelby
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Branches

The First State Bank of Shelby 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


The First State Bank of Shelby Locations


Financial Details

The First State Bank of Shelby Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The First State Bank of Shelby. 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
The First State Bank of Shelby U.S. Bank Average
1.08% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2019, The First State Bank of Shelby had $280,000 in non-current loans and $36,000 in owned real estate. To cover these potential losses it had $28,707,000 in equity and $591,000 in loans loss reserves. That gives it a Texas Ratio of 1.08%.

Return on Equity
The First State Bank of Shelby U.S. Bank Average
5.79% 9.50%

The First State Bank of Shelby has a Return on Equity of 5.79% versus the BestCashCow average of 9.50%. 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
The First State Bank of Shelby U.S. Bank Average
23.01% 12.76%

The First State Bank of Shelby has a Capitalization of 23.01% versus the BestCashCow average of 12.76. 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.

The First State Bank of Shelby Balance Sheet Analysis

As of June 30, 2019, The First State Bank of Shelby had assets of $124,756,000, loans of $25,494,000, and deposits of $95,802,000. 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

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.09 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.03 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.10 billion
LIABILITIES
Total deposits $0.10 billion
      Interest-bearing deposits $0.06 billion
      Deposits held in domestic offices $0.10 billion
      % insured (estimated) 84.68%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.10 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in The First State Bank of Shelby’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Montana, The First State Bank of Shelby has a significantly higher percent of Credit Card Loans, 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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.95
Consumer Auto Loans 0.87
Small Business Loans 9.33
Construction and Development Loans 0.29
Commercial Real Estate 9.33
Commercial and Industrial Loans 19.86
Farm Loans 48.46

Frequently Asked Questions About The First State Bank Of Shelby

Branches and Savings

Is The First State Bank Of Shelby FDIC insured?

Yes. It is covered under FDIC Certificate #11013.

Why does The First State Bank Of Shelby pay such low interest on savings accounts?

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

Why are The First State Bank Of Shelby CD rates not competitive?

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

Is The First State Bank Of Shelby a commercial bank?

Yes

Where are The First State Bank Of Shelby locations?

See branch locations nearby.

Is The First State Bank Of Shelby open on Saturdays?

Is The First State Bank Of Shelby open on Sundays?

What time does The First State Bank Of Shelby open?

What time does The First State Bank Of Shelby close?

Are The First State Bank Of Shelby ATMs Open 24/7?

Do The First State Bank Of Shelby ATMs accept cash deposits?

Can The First State Bank Of Shelby customers use other ATMs?

Do The First State Bank Of Shelby branches have notaries?

Will The First State Bank Of Shelby notarize my document?

What address for The First State Bank Of Shelby should I put for incoming ACH transfers?

Will the The First State Bank Of Shelby branch print checks?

Do The First State Bank Of Shelby checks expire?

Does The First State Bank Of Shelby require US citizenship to open account?

Can The First State Bank Of Shelby close my account?

Does The First State Bank Of Shelby Report to credit bureaus?

Does The First State Bank Of Shelby Use Equifax?

What is The First State Bank Of Shelby's ACH Routing Number?

What is The First State Bank Of Shelby's SWIFT code?

Products

Does The First State Bank Of Shelby offer mortgages?

Compare mortgage rates here.

Does The First State Bank Of Shelby offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The First State Bank Of Shelby offer personal loans?

Compare personal loan rates here.

Does The First State Bank Of Shelby offer student loans?

Will The First State Bank Of Shelby cash a check?

Will The First State Bank Of Shelby redeem a savings bond?

Does The First State Bank Of Shelby cash savings bonds?

Will The First State Bank Of Shelby cash money orders?

Can The First State Bank Of Shelby issue a money order?

Does The First State Bank Of Shelby do currency exchange?

Background on The Bank

Who owns The First State Bank Of Shelby?

How long has The First State Bank Of Shelby been around?

Can The First State Bank Of Shelby transfer to other banks?

Does The First State Bank Of Shelby have quick pay?

Does The First State Bank Of Shelby accept rolled coins?

Will The First State Bank Of Shelby accept loose change?

Where is The First State Bank Of Shelby headquarters?

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