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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Shelby, MT · FDIC certificate #11013
FIRST STATE BANK OF SHELBY is an FDIC-insured institution based in Shelby, MT (FDIC certificate #11013). In its Q3 2026 Call Report it reported total assets of $166M, total deposits of $140M and net loans of $27M. Its primary federal regulator is FDIC.
Reported facts
Deterministic ratios for FIRST STATE BANK OF SHELBY from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $140M |
|---|---|
| Net loans and leases | $27M |
Plain-language readout
FIRST STATE BANK OF SHELBY in Shelby, MT funds its loans with $140M of deposits and holds $27M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for FIRST STATE BANK OF SHELBY in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 19.52% in Q3 2026, against 15.89% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $27M | $140M | 19.52% |
| Q2 2026 | $25M | $148M | 16.52% |
| Q1 2026 | $23M | $142M | 15.89% |