First State Bank of Shelby

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fsbshelby.com

406-434-5567

320 Main Street
Shelby, MT 59474

First State Bank of Shelby is headquartered in SHELBY and is the 22^nd largest bank in the state of Montana. It is also the 3,324^th largest bank in the nation. It was established in 1910 and as of March of 2025, it had grown to 17 employees at 1 location. First State Bank of Shelby has an A+ health rating.

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	11013
Year Established	1910
Employees	17
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.65%
Return on Equity - YTD	4.34%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$159.7MM$161.8MM
Loans	Q1 2025vs Q1 2024	$22.1MM$22.1MM
Deposits	Q1 2025vs Q1 2024	$134.5MM$117.8MM
Equity Capital	Q1 2025vs Q1 2024	$24.6MM$24.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$80K$111K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$6K$13K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Checking
CD

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First State Bank of Shelby Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$0	-	Regular Savings

First State Bank of Shelby Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%	$2k	-	Personal MOST Account
0.15%	$2k	-	NonPersonal MOST Account
0.15%	$900	-	NOW Account
0.15%	$1.5k	-	Super NOW Account

First State Bank of Shelby CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$500	-	36 Month CD
0.80%	$500	-	30 Month CD
0.70%	$500	-	24 Month CD
0.70%	$100k	-	12 Month Jumbo CD
0.60%	$500	-	18 Month CD
0.60%	$100k	-	182 Day Jumbo CD
0.55%	$500	-	12 Month CD
0.35%	$500	-	182 Day CD
0.35%	$100k	-	91 Day Jumbo CD
0.25%	$500	-	91 Day CD
0.25%	$100k	-	30 Day Jumbo CD
0.25%	$100k	-	60 Day Jumbo CD
0.15%	$500	-	32 Day CD
0.15%	$500	-	61 Day CD

Locations

First State Bank of Shelby Locations
The First State Bank Of Shelby	320 Main St	Shelby, MT 59474

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