Garfield County Bank vs The First State Bank Of Shelby
Comparing a Bank in Jordan, MT with a Bank in Shelby, MT using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Garfield County Bank ↗ Bank · Jordan, MT · Est. 1960 | The First State Bank Of Shelby ↗ Bank · Shelby, MT · Est. 1910 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Jordan, MT | Shelby, MT |
| Total assets | $99.3M | $169.0M |
| Capital ratio | 15.9% | 15.3% |
| Return on assets | 1.4% | 1.3% |
| Deposits | $82.1M | $142.4M |
| Branches | 2 | 1 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 36 | #1 of 36 |
| Established | 1960 | 1910 |
Garfield County Bank
- Assets: $99.3M
- Deposits: $82.1M
- Capital ratio: 15.9%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #5 of 36
The First State Bank Of Shelby
- Assets: $169.0M
- Deposits: $142.4M
- Capital ratio: 15.3%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #1 of 36
Are both institutions federally insured?
Yes. Garfield County Bank is FDIC-insured and The First State Bank Of Shelby is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Garfield County Bank or The First State Bank Of Shelby?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Garfield County Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Garfield County Bank safe?
Yes — Garfield County Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is The First State Bank Of Shelby safe?
Yes — The First State Bank Of Shelby is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Garfield County Bank vs The First State Bank Of Shelby?
Garfield County Bank has a capital ratio of 15.9%, placing it in the top 24% of <$100M peers. The First State Bank Of Shelby's ratio is 15.3%, placing it in the top 9% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Garfield County Bank have compared to The First State Bank Of Shelby?
The CFPB database shows 0 complaints against Garfield County Bank, and 0 complaints against The First State Bank Of Shelby. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Garfield County Bank with other Banks in Montana
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
