Bank · FDIC insured
First State Bank of Shelby
A $175.6M bank headquartered in Shelby, MT, with 1 branch in Montana. Best rates: CDs 0.90% and savings 0.15% APY.
First State Bank of Shelby Carrot Score
60
Carrot Score
Higher than 2% of U.S. banks and credit unions
#46 of 47 in MontanaHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank of Shelby
- Headquarters
- 320 Main St, Shelby, MT 59474
- FDIC certificate
- 11013 ↗
Branches
1 branch in Montana
Loading map…
Montana
1 branch
- The First State Bank of ShelbyMain office320 Main St, Shelby, MT 59474Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 19.38% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.28% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $17 | $81 | — |
- CapitalLeverage ratio19.38%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.28%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$17Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First State Bank of Shelby are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.