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
Unfavorable gap of $1.2M · efficiency ratio beats 85% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.60% | 1.01% | 1.45% | Beats 80% | 125 / 629 | n/a | |
| Return on Equity | 16.90% | 5.38% | 9.30% | 13.28% | Beats 89% | 72 / 629 | n/a | |
| Net Interest Margin | 4.70% | 3.03% | 3.54% | 4.05% | Beats 93% | 46 / 629 | n/a | |
| Efficiency Ratio | 52.85% | 58.35% | 67.79% | 79.08% | Beats 85% | 93 / 629 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.01% | 0.09% | 0.46% | 1.20% | Beats 13% | 504 / 581 | n/a | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.06% | Beats 27% | 424 / 581 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 10.50% | 11.24% | 13.84% | 18.77% | Beats 16% | 530 / 629 | n/a | |
| Total Risk-Based Capital Ratio | 10.50% | 11.58% | 14.43% | 19.66% | Beats 14% | 541 / 629 | n/a | |
| Equity / Assets | 9.67% | 9.09% | 10.65% | 13.80% | Beats 35% | 407 / 629 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 82.01% | 67.24% | 80.90% | 93.48% | 51st pctl | 290 / 594 | n/a | |
| Loans / Assets | 73.90% | 53.31% | 67.71% | 78.15% | 63rd pctl | 232 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |