The First State Bank of Malta: how it compares with its peers
Against 17 MT banks with half to twice its assets, The First State Bank of Malta's strongest measure in Q2 2026 is assets per employee ($10.0M vs. a $6.8M peer median). Its weakest relative measure is net interest margin (2.86% vs. 4.17%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.03% | 1.41% | Bottom third Ahead of 18% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.86% | 4.17% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.04% | 57.58% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.0M | $6.8M | Top third Ahead of 82% of peers |
| Loans to deposits Net loans and leases over total deposits. | 40.56% | 74.22% | Context |
What it means for lending operations
Its efficiency ratio of 53.04% is better than the 57.58% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Eagle Bank Polson, MT · $180M
- The First State Bank of Shelby Shelby, MT · $176M
- First State Bank of Forsyth Forsyth, MT · $166M
- Valley Bank of Ronan Ronan, MT · $218M
- Valley Bank of Kalispell Kalispell, MT · $218M
- The Bank of Baker Baker, MT · $161M
Questions about The First State Bank of Malta
How big is The First State Bank of Malta?
The First State Bank of Malta, established in 1903, is headquartered in Malta, MT. It reported $190M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First State Bank of Malta's return on assets?
1.03% annualized in Q2 2026, against a 1.41% median for 17 MT banks with half to twice its assets, ahead of 18% of them.
What is The First State Bank of Malta's efficiency ratio?
53.04% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 57.58%, and lower is better.
Is The First State Bank of Malta growing its loans?
Net loans shrank 2.2% over the year to Q2 2026, while deposits grew 8.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MT banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Montana bank ranked.