First State Bank of Forsyth
Total assets
$165.5M
▲ +9.8% YoY
Deposits
$143.4M
▲ +8.9% YoY
Loans
$89.3M
▲ +17.6% YoY
Offices
1
FORSYTH BANCSHARES INC
ROA (annualized)
1.77%
peers 1.24%
ROE (annualized)
19.38%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +4.4% | +5.4 pts |
| Deposit growth (YoY) | +8.9% | +4.0% | +5.0 pts |
| Loan growth (YoY) | +17.6% | +5.6% | +12.1 pts |
| ROA | 1.77% | 1.24% | +0.5 pts |
| ROE | 19.4% | 11.9% | +7.5 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
Profile
- Established
- 1917
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FORSYTH BANCSHARES INC
- Specialization
- Agricultural Specialization
- Address
- 880 Main St, Forsyth, MT, 59327
- County
- Rosebud
- Offices
- 1
- FDIC cert #
- 8317
- RSSD ID
- 597658
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $165.5M | $143.4M | $89.3M | $15.7M | $1.5M | 1.77% | 3.88% | 1.01% |
| Q1 2026 | $167.8M | $145.9M | $82.1M | $15.1M | $638K | 1.51% | 3.74% | 1.57% |
| Q4 2025 | $170.5M | $148.7M | $78.5M | $15.2M | $2.3M | 1.45% | 3.63% | 0.96% |
| Q3 2025 | $158.5M | $139.1M | $82.0M | $13.2M | $1.6M | 1.40% | 3.60% | 0.90% |
| Q2 2025 | $150.8M | $131.6M | $75.9M | $13.2M | $1.1M | 1.45% | 3.57% | 0.98% |
| Q1 2025 | $154.4M | $135.3M | $73.4M | $12.8M | $535K | 1.34% | 3.50% | 0.96% |
| Q4 2024 | $165.1M | $147.2M | $71.8M | $11.8M | $1.9M | 1.22% | 3.27% | 1.19% |
| Q3 2024 | $155.2M | $133.6M | $78.0M | $12.8M | $1.3M | 1.17% | 3.24% | 1.43% |
Loan mix (Q2 2026): real estate $54.6M · commercial $11.3M · consumer $5.1M · securities $61.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.96% | 45th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.2% | 62.9% | 6th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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