PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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