Deer Lodge, MT · Cert 26941 · Sandquist Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.72% | 1.42% | 1.21% | 1.63% | 1.65% | -7 bps | |
| Return on Equity | 17.58% | 15.16% | 13.69% | 17.83% | 17.10% | -48 bps | |
| Net Interest Margin | 4.89% | 4.86% | 4.85% | 4.80% | 4.57% | -32 bps | |
| Efficiency Ratio | 58.12% | 62.44% | 61.87% | 48.41% | 57.56% | -56 bps | |
| Non-Interest Burden | 2.73% | 2.95% | 2.90% | 2.16% | 2.51% | -21 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% | 0.84% | 0.22% | 0.00% | +1 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 | |