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Peoples Bank of Deer Lodge

Deer Lodge, MT · Cert 26941 · Sandquist Corp.

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 assets3

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 (n=581 to 629). 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

22

Q2 2024Q2 2026peer median (50)

Asset Quality

20

Q2 2024Q2 2026peer median (50)

Profitability

87

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

85

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

Peoples Bank of Deer Lodge

Deer Lodge, MT · Cert 26941 · Sandquist Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$50.8MAssets
$37.5MLoans
$45.8MDeposits
$4.9MEquity
Loan mix
81%RE $25.6M14%C&I $4.2M5%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $28.9M37%Noninterest $16.9MQ2 2025Q2 2026

NIM

5.62%Q2 ’245.92%Q2 ’255.90%Q2 ’26+9%-1%

Non-interest income vs. expense

3.19%Q2 ’242.90%Q2 ’252.64%Q2 ’26-11%-10%

Executive Summary

  • Earnings: ROA of 1.63%, down 2 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 2.01% of loans (+103 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 10.50%, down 60 bps from a year ago.
  • Funding: loans stand at 82.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.63%-2 bps YoY

Net Interest Margin (YTD, annualized)

4.70%-4 bps YoY

Efficiency Ratio (YTD, annualized)

52.85%-495 bps YoY

Tier 1 Leverage Ratio

10.50%-60 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.64%1.55%1.47%1.63%1.63%-2 bps
Return on Equity17.66%16.76%16.09%17.83%17.48%-19 bps
Net Interest Margin4.74%4.73%4.63%4.80%4.70%-4 bps
Efficiency Ratio57.80%59.37%60.03%48.41%52.85%-495 bps
Non-Interest Burden2.62%2.70%2.68%2.16%2.34%-27 bps
Growth
Asset Growth (YoY)3.03%16.51%9.75%12.69%11.82%+878 bps
Loan Growth (YoY)2.86%7.69%3.25%4.10%-0.34%-320 bps
Deposit Growth (YoY)2.13%17.04%9.39%12.94%11.89%+977 bps
Asset Quality
Nonperforming Loans / Loans0.98%1.64%1.89%2.70%2.01%+103 bps
Net Charge-Offs / Loans-0.01%0.00%0.21%0.22%0.11%+11 bps
Allowance / Loans1.07%1.09%1.02%1.12%1.11%+4 bps
Allowance Coverage of NPLs1.1x0.7x0.5x0.4x0.6x-0.5x
Capital
Tier 1 Leverage Ratio11.10%11.20%10.51%10.21%10.50%-60 bps
Total Risk-Based Capital11.10%11.20%10.51%10.21%10.50%-60 bps
Equity / Assets9.73%9.08%8.67%9.59%9.67%-6 bps
Liquidity & Funding
Loans / Deposits92.07%79.90%74.11%82.42%82.01%-1,006 bps
Liquid Assets / Assets0.64%0.55%0.54%0.57%0.56%-8 bps
CRE / Total Capitaln/a133.74%143.75%155.54%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

Peoples Bank of Deer Lodge

Deer Lodge, MT · Cert 26941 · Peer group: banks under $1B in assets (n=581-629) · Sandquist Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$50.8MAssets
$37.5MLoans
$45.8MDeposits
$4.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 93% of banks under $1B in assets (rank 46 of 629).
  • Widest gap: nonperforming loans / loans trails 87% of banks under $1B in assets (rank 504 of 581).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.64%

Rank 125 of 629

Net Interest Margin

4.70%

Rank 46 of 629

Efficiency Ratio

52.85%

Rank 93 of 629

Equity / Assets

9.67%

Rank 407 of 629

Non-interest income vs. expense

$0.2M$1.4MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 85% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.64%0.60%1.01%1.45%Beats 80%125 / 629
Return on Equity16.90%5.38%9.30%13.28%Beats 89%72 / 629
Net Interest Margin4.70%3.03%3.54%4.05%Beats 93%46 / 629
Efficiency Ratio52.85%58.35%67.79%79.08%Beats 85%93 / 629
Asset Quality
Nonperforming Loans / Loans2.01%0.09%0.46%1.20%Beats 13%504 / 581
Net Charge-Offs / Loans0.05%n/a0.01%0.06%Beats 27%424 / 581
Capital
Tier 1 Capital Ratio10.50%11.24%13.84%18.77%Beats 16%530 / 629
Total Risk-Based Capital Ratio10.50%11.58%14.43%19.66%Beats 14%541 / 629
Equity / Assets9.67%9.09%10.65%13.80%Beats 35%407 / 629
Liquidity & Funding
Loans / Deposits82.01%67.24%80.90%93.48%51st pctl290 / 594
Loans / Assets73.90%53.31%67.71%78.15%63rd pctl232 / 629
Brokered Deposits / Depositsn/aNot reported for this institution