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First Security Bank of Deer Lodge

Deer Lodge, MT · Cert 20657 · First Security Group

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

21

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

92

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

82

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Security Bank of Deer Lodge

Deer Lodge, MT · Cert 20657 · First Security Group

State charter, non-member · FDIC · 1 branch

Q2 2026

$81.1MAssets
$70.3MLoans
$72.5MDeposits
$8.4MEquity
Loan mix
82%RE $53.8M15%C&I $9.6M4%Consumer $2.5MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $51.9M28%Noninterest $20.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.86%, down 11 bps year over year; NIM at 4.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.00%, up 35 bps from a year ago.
  • Funding: loans stand at 96.96% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.86%-11 bps YoY

Net Interest Margin (YTD, annualized)

4.52%+50 bps YoY

Efficiency Ratio (YTD, annualized)

52.22%+950 bps YoY

Tier 1 Leverage Ratio

10.00%+35 bps YoY

NIM

5.90%Q2 ’246.12%Q2 ’256.29%Q2 ’26+4%+12%

Non-interest income vs. expense

1.75%Q2 ’241.91%Q2 ’252.60%Q2 ’26+10%+47%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.95%1.91%1.96%1.97%2.03%1.96%2.25%1.86%-11 bps
Return on Equity20.28%19.53%19.93%20.29%20.63%20.11%23.27%18.79%-150 bps
Net Interest Margin3.68%3.91%3.92%4.02%4.16%4.07%4.23%4.52%+50 bps
Efficiency Ratio40.56%44.83%43.41%42.73%42.81%45.55%40.10%52.22%+950 bps
Non-Interest Burden1.25%1.51%1.47%1.46%1.50%1.62%1.40%2.14%+68 bps
Growth
Asset Growth (YoY)3.77%-1.41%5.94%-5.36%-9.45%7.81%-3.16%-5.51%-15 bps
Loan Growth (YoY)2.70%-2.27%-9.23%-10.24%-6.61%-1.11%-2.48%-0.87%+938 bps
Deposit Growth (YoY)-1.21%0.65%19.33%4.37%-5.43%9.19%-3.84%-6.39%-1,076 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%1.42%1.91%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.95%0.94%0.93%0.98%0.97%0.98%0.98%0.97%0 bps
Allowance Coverage of NPLsn/an/an/an/an/a0.7x0.5xn/an/a
Capital
Tier 1 Leverage Ratio9.50%10.02%9.69%9.65%9.94%9.56%9.76%10.00%+35 bps
Total Risk-Based Capital9.50%10.02%9.69%9.65%9.94%9.56%9.76%10.00%+35 bps
Equity / Assets9.50%10.52%9.22%9.51%10.12%9.43%9.93%10.37%+86 bps
Liquidity & Funding
Loans / Deposits100.79%98.96%89.38%91.55%99.53%89.63%90.64%96.96%+541 bps
Liquid Assets / Assets10.53%8.81%16.81%14.81%7.23%15.22%15.95%9.38%-543 bps
CRE / Total Capitaln/an/an/an/a161.36%157.90%163.92%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Security Bank of Deer Lodge

Deer Lodge, MT · Cert 20657 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Security Group

State charter, non-member · FDIC · 1 branch

Q2 2026

$81.1MAssets
$70.3MLoans
$72.5MDeposits
$8.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets operating in a single state (rank 686 of 746).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.95%

Rank 48 of 746

Net Interest Margin

4.52%

Rank 88 of 746

Efficiency Ratio

52.22%

Rank 136 of 746

Equity / Assets

10.37%

Rank 387 of 746

Non-interest income vs. expense

$0.4M$2.2MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 82% of banks under $1B in assets operating in a single state
Bank 52.22%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.95%0.72%1.06%1.45%Beats 94%48 / 746
Return on Equity18.77%6.74%10.51%13.63%Beats 95%41 / 746
Net Interest Margin4.52%3.17%3.68%4.16%Beats 88%88 / 746
Efficiency Ratio52.22%55.74%64.58%75.47%Beats 82%136 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio10.00%11.55%13.75%17.60%Beats 8%683 / 746
Total Risk-Based Capital Ratio10.00%11.71%14.33%18.43%Beats 8%686 / 746
Equity / Assets10.37%8.90%10.51%13.06%Beats 48%387 / 746
Liquidity & Funding
Loans / Deposits96.96%61.31%78.27%90.78%87th pctl100 / 746
Loans / Assets86.67%53.60%66.97%76.08%97th pctl22 / 746
Brokered Deposits / Depositsn/aNot reported for this institution