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
Unfavorable gap of $1.8M · efficiency ratio beats 82% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.95% | 0.72% | 1.06% | 1.45% | Beats 94% | 48 / 746 | | |
| Return on Equity | 18.77% | 6.74% | 10.51% | 13.63% | Beats 95% | 41 / 746 | | |
| Net Interest Margin | 4.52% | 3.17% | 3.68% | 4.16% | Beats 88% | 88 / 746 | | |
| Efficiency Ratio | 52.22% | 55.74% | 64.58% | 75.47% | Beats 82% | 136 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.00% | 11.55% | 13.75% | 17.60% | Beats 8% | 683 / 746 | | |
| Total Risk-Based Capital Ratio | 10.00% | 11.71% | 14.33% | 18.43% | Beats 8% | 686 / 746 | | |
| Equity / Assets | 10.37% | 8.90% | 10.51% | 13.06% | Beats 48% | 387 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.96% | 61.31% | 78.27% | 90.78% | 87th pctl | 100 / 746 | | |
| Loans / Assets | 86.67% | 53.60% | 66.97% | 76.08% | 97th pctl | 22 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |