The First State Bank Of Shelby vs First Interstate Bank
Comparing a Bank in Shelby, MT with a Bank in Billings, MT using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The First State Bank Of Shelby ↗ Bank · Shelby, MT · Est. 1910 | First Interstate Bank ↗ Bank · Billings, MT · Est. 1916 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Shelby, MT | Billings, MT |
| Total assets | $169.0M | $26.4B |
| Capital ratio | 15.3% | 12.4% |
| Return on assets | 1.3% | 1.0% |
| Deposits | $142.4M | $22.2B |
| Branches | 1 | 279 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 36 | #2 of 36 |
| Established | 1910 | 1916 |
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
First Interstate Bank
- Assets: $26.4B
- Deposits: $22.2B
- Capital ratio: 12.4%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #2 of 36
Are both institutions federally insured?
Yes. The First State Bank Of Shelby is FDIC-insured and First Interstate Bank 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, The First State Bank Of Shelby or First Interstate Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The First State Bank Of Shelby 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 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 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 First Interstate Bank safe?
Yes — First Interstate Bank 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 The First State Bank Of Shelby vs First Interstate Bank?
The First State Bank Of Shelby has a capital ratio of 15.3%, placing it in the top 9% of $100M–1B peers. First Interstate Bank's ratio is 12.4%, placing it in the top 34% of $10B–100B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The First State Bank Of Shelby have compared to First Interstate Bank?
The CFPB database shows 0 complaints against The First State Bank Of Shelby, and 0 complaints against First Interstate Bank. 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 The First State Bank Of Shelby 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.
