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

Deposit mix

NIM

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.64%	1.55%	1.47%	1.63%	1.63%	-2 bps
Return on Equity	17.66%	16.76%	16.09%	17.83%	17.48%	-19 bps
Net Interest Margin	4.74%	4.73%	4.63%	4.80%	4.70%	-4 bps
Efficiency Ratio	57.80%	59.37%	60.03%	48.41%	52.85%	-495 bps
Non-Interest Burden	2.62%	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 / Loans	0.98%	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 / Loans	1.07%	1.09%	1.02%	1.12%	1.11%	+4 bps
Allowance Coverage of NPLs	1.1x	0.7x	0.5x	0.4x	0.6x	-0.5x
Capital
Tier 1 Leverage Ratio	11.10%	11.20%	10.51%	10.21%	10.50%	-60 bps
Total Risk-Based Capital	11.10%	11.20%	10.51%	10.21%	10.50%	-60 bps
Equity / Assets	9.73%	9.08%	8.67%	9.59%	9.67%	-6 bps
Liquidity & Funding
Loans / Deposits	92.07%	79.90%	74.11%	82.42%	82.01%	-1,006 bps
Liquid Assets / Assets	0.64%	0.55%	0.54%	0.57%	0.56%	-8 bps
CRE / Total Capital	n/a	133.74%	143.75%	155.54%	n/a	n/a