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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

$50.8MAssets
$37.5MLoans
$45.8MDeposits
$4.9MEquity
Loan mix
81%RE $25.6M14%C&I $4.2M5%Consumer $1.6MQ3 2024Q2 2026
Deposit mix
63%Interest-bearing $28.9M37%Noninterest $16.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.65%, down 7 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 2.01% of loans (+103 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (quarter, annualized)

1.65%-7 bps YoY

Net Interest Margin (quarter, annualized)

4.57%-32 bps YoY

Efficiency Ratio (quarter, annualized)

57.56%-56 bps YoY

Tier 1 Leverage Ratio

10.50%-60 bps YoY

NIM

5.82%Q2 ’246.09%Q2 ’255.77%Q2 ’26+8%-7%

Non-interest income vs. expense

3.22%Q2 ’243.01%Q2 ’252.79%Q2 ’26-9%-8%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%1.62%1.60%1.72%1.42%1.21%1.63%1.65%-7 bps
Return on Equity10.01%18.14%17.61%17.58%15.16%13.69%17.83%17.10%-48 bps
Net Interest Margin4.25%4.68%4.56%4.89%4.86%4.85%4.80%4.57%-32 bps
Efficiency Ratio68.57%58.81%57.45%58.12%62.44%61.87%48.41%57.56%-56 bps
Non-Interest Burden2.83%2.68%2.50%2.73%2.95%2.90%2.16%2.51%-21 bps
Growth
Asset Growth (YoY)-0.68%6.58%1.98%3.03%16.51%9.75%12.69%11.82%+878 bps
Loan Growth (YoY)-0.97%1.64%-1.06%2.86%7.69%3.25%4.10%-0.34%-320 bps
Deposit Growth (YoY)-2.41%6.50%0.87%2.13%17.04%9.39%12.94%11.89%+977 bps
Asset Quality
Nonperforming Loans / Loans1.14%1.13%1.07%0.98%1.64%1.89%2.70%2.01%+103 bps
Net Charge-Offs / Loans-0.05%0.00%0.00%-0.01%0.00%0.84%0.22%0.00%+1 bps
Allowance / Loans1.17%1.17%1.13%1.07%1.09%1.02%1.12%1.11%+4 bps
Allowance Coverage of NPLs1.0x1.0x1.1x1.1x0.7x0.5x0.4x0.6x-0.5x
Capital
Tier 1 Leverage Ratio10.77%9.97%10.84%11.10%11.20%10.51%10.21%10.50%-60 bps
Total Risk-Based Capital10.77%9.97%10.84%11.10%11.20%10.51%10.21%10.50%-60 bps
Equity / Assets9.52%8.40%9.81%9.73%9.08%8.67%9.59%9.67%-6 bps
Liquidity & Funding
Loans / Deposits86.84%78.51%89.42%92.07%79.90%74.11%82.42%82.01%-1,006 bps
Liquid Assets / Assets0.65%0.60%0.66%0.64%0.55%0.54%0.57%0.56%-8 bps
CRE / Total Capitaln/an/an/an/a133.74%143.75%155.54%n/an/a