PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 1.63%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.15%1.60%1.64%1.55%1.47%1.63%1.63%-2 bps
Return on Equity11.23%13.13%17.61%17.66%16.76%16.09%17.83%17.48%-19 bps
Net Interest Margin4.40%4.22%4.56%4.74%4.73%4.63%4.80%4.70%-4 bps
Efficiency Ratio69.10%66.28%57.45%57.80%59.37%60.03%48.41%52.85%-495 bps
Non-Interest Burden2.96%2.72%2.50%2.62%2.70%2.68%2.16%2.34%-27 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 / Loans0.03%0.02%0.00%-0.01%0.00%0.21%0.22%0.11%+11 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