The First State Bank of Malta
Total assets
$189.7M
▲ +8.3% YoY
Deposits
$164.9M
▲ +8.5% YoY
Loans
$66.9M
▼ -2.2% YoY
Offices
1
FS BANCO INC
ROA (annualized)
1.03%
peers 1.24%
ROE (annualized)
8.58%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.4% | +3.9 pts |
| Deposit growth (YoY) | +8.5% | +4.0% | +4.6 pts |
| Loan growth (YoY) | -2.2% | +5.6% | -7.8 pts |
| ROA | 1.03% | 1.24% | -0.2 pts |
| ROE | 8.6% | 11.9% | -3.3 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
Profile
- Established
- 1903
- Charter
- State
- Primary regulator
- FED
- Holding company
- FS BANCO INC
- Specialization
- Agricultural Specialization
- Address
- 1 S 1st St E, Malta, MT, 59538
- County
- Phillips
- Offices
- 1
- FDIC cert #
- 1982
- RSSD ID
- 615253
- 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 | $189.7M | $164.9M | $66.9M | $23.6M | $1.0M | 1.03% | 2.86% | 0.80% |
| Q1 2026 | $193.4M | $169.4M | $60.7M | $22.8M | $458K | 0.93% | 2.72% | 0.78% |
| Q4 2025 | $201.3M | $176.2M | $57.9M | $23.9M | $1.3M | 0.71% | 2.74% | 0.84% |
| Q3 2025 | $173.2M | $148.9M | $65.4M | $23.1M | $966K | 0.75% | 2.73% | 1.22% |
| Q2 2025 | $175.2M | $152.0M | $68.4M | $22.1M | $492K | 0.58% | 2.48% | 1.64% |
| Q1 2025 | $169.2M | $147.1M | $64.9M | $21.1M | $183K | 0.43% | 2.35% | 1.68% |
| Q4 2024 | $167.5M | $145.6M | $64.8M | $20.8M | $797K | 0.47% | 2.16% | 1.70% |
| Q3 2024 | $176.5M | $153.4M | $66.4M | $22.0M | $642K | 0.50% | 2.15% | 0.41% |
Loan mix (Q2 2026): real estate $36.5M · commercial $6.9M · consumer $3.2M · securities $104.3M
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 | 1.03% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.96% | 7th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 62.9% | 23th | |
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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