Deer Lodge, MT · Cert 29517
SI · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.25% | -0.18% | -0.15% | -0.76% | -2.15% | -191 bps | |
| Return on Equity | -1.50% | -1.14% | -0.96% | -5.01% | -13.65% | -1,215 bps | |
| Net Interest Margin | 3.10% | 3.09% | 3.01% | 3.06% | 2.69% | -41 bps | |
| Efficiency Ratio | 113.20% | 107.33% | 106.11% | 126.55% | 193.32% | +8,013 bps | |
| Non-Interest Burden | 3.54% | 3.33% | 3.20% | 3.93% | 5.41% | +187 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.14% | 5.40% | 6.85% | 9.32% | 18.01% | +1,815 bps | |
| Loan Growth (YoY) | 0.93% | 1.29% | 3.85% | 4.99% | 8.23% | +730 bps | |
| Deposit Growth (YoY) | -0.32% | 7.17% | 8.96% | 12.35% | 16.76% | +1,708 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.52% | 0.00% | 0.06% | 0.59% | +52 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 1.27% | 1.25% | 1.25% | 1.27% | 1.20% | -8 bps | |
| Allowance Coverage of NPLs | 18.3x | 2.4x | n/a | 21.6x | 2.0x | -16.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 17.00% | 16.64% | 16.05% | 15.68% | 16.80% | -20 bps | |
| Total Risk-Based Capital | 17.00% | 16.64% | 16.05% | 15.68% | 16.80% | -20 bps | |
| Equity / Assets | 16.28% | 15.52% | 15.40% | 14.95% | 16.87% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.18% | 96.14% | 97.88% | 96.41% | 92.86% | -732 bps | |
| Liquid Assets / Assets | 7.47% | 7.75% | 6.94% | 6.54% | 16.79% | +932 bps | |
| CRE / Total Capital | n/a | 44.10% | 48.15% | 54.41% | n/a | n/a | |