First Security Bank of Deer Lodge
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Data as of · sourced from FFIEC call reports. How we update
First Security Bank of Deer Lodge is an FDIC-insured commercial bank headquartered in Deer Lodge, MT, established in 1972 (FDIC certificate 20657), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $81.1M, down 5.5% from Q2 2025, the 33rd largest of 35 banks headquartered in Montana. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.00% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20657
- Headquarters
- Deer Lodge, MT
- Established
- 1972
- Total assets, Q2 2026
- $81.1M
- Assets vs Q2 2025
- -5.5%
- Tier 1 leverage ratio, Q2 2026
- 10.00%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 092901298
- Latest call report
- Q2 2026, FFIEC 051 · First Security Bank of Deer Lodge call report
- Holding company
- FIRST SECURITY GROUP
- Asset rank in state
- 33rd of 35 in Montana
First Security Bank of Deer Lodge leans heavily on commercial real estate. Its balance sheet stood at $81 million at June 30, 2026, down 5.5% from a year earlier; it is based in Deer Lodge, Montana. It holds commercial real estate loans worth 1.4 times its capital, 5.2 times the median of 26% for the 583 banks with less than $100 million in assets. It also lost 6.4% of its deposits over the year, lower than about 9 in 10 banks its size (median 2.5%).
The commercial and industrial book ($9.2 million) is worsening: 13.20% of it is past due or on nonaccrual, up from 0.28% a year earlier. Net income for the quarter slipped 29% from a year earlier, to $384,000. Credit is the area to watch: it carries problem assets equal to 11.1% of the capital and reserves that would absorb them, 8.0 times the median of 1.4% for banks its size.
As of June 30, 2026, First Security Bank of Deer Lodge reported a return on assets of 1.83%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 11.05%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Security Bank of Deer Lodge is the 33rd largest of the 35 banks headquartered in Montana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.9% to $81.1M, loans rose 1.1% and deposits fell 5.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 51.5% of total loans, followed by commercial and industrial loans at 13.2%. Its one office in the FDIC Summary of Deposits is in Deer Lodge, MT. On its Q2 2026 call report, First Security Bank of Deer Lodge meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 311 Milwaukee Ave, Deer Lodge, MT 59722
- County
- Powell
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 10, 1972
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $72.5M
- Allowance for credit losses
- $684K
- Net charge-offs (YTD)
- $0
- Average total assets
- $84.0M
- Average total loans
- $70.4M
- Average interest-bearing deposits
- $55.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 10, 1972
- FDIC Cert
- 20657
- Fed RSSD
- 670654
- Website
- www.1stsecuritydl.com →
- Parent Holding Company
- FIRST SECURITY GROUP (RSSD 2880662)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Security Bank of Deer Lodge reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Security Bank of Deer Lodge's total assets moved between a low of $81.1M (Q2 2026) and a high of $90.7M (Q2 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$81.1M total assets against $85.8M; $72.7M total liabilities against $77.7M.
$69.6M net loans and leases against $70.2M; $72.5M total deposits against $77.4M.
$0 securities against $0; $9.7M cash and balances due against $14.8M.
$1.3M total interest income against $1.3M; $358K total interest expense against $438K.
$980K net interest income against $878K.
$86K total noninterest income against $103K; $681K total noninterest expense against $413K.
$1K provision for credit losses against $27K.
$384K net income against $541K.
1.83% return on assets against 2.56%; 4.83% net interest margin against 4.27%.
10.00% tier 1 leverage ratio against 9.65%.
Inside the full First Security Bank of Deer Lodge terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.83% (Q2 2026) to 2.86% (Q1 2026) and its net interest margin ran from 3.82% (Q3 2024) to 4.83% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.00% | 1.83% | 0.00% | 11.05% | 4.83% |
| Q1 2026 | 9.76% | 2.86% | 1.91% | 14.48% | 4.30% |
| Q4 2025 | 9.56% | 2.22% | 1.42% | 11.25% | 4.42% |
| Q3 2025 | 9.94% | 2.70% | 0.00% | 0.00% | 4.41% |
| Q2 2025 | 9.65% | 2.56% | 0.00% | 0.00% | 4.27% |
| Q1 2025 | 9.69% | 2.52% | 0.00% | 0.00% | 4.02% |
| Q4 2024 | 10.02% | 2.17% | 0.00% | 0.00% | 4.17% |
| Q3 2024 | 9.50% | 2.48% | 0.00% | 0.00% | 3.82% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Security Bank of Deer Lodge (main office) | Deer Lodge , MT | 59722 | $72.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MT, rank 39 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Security Bank of Deer Lodge
What are First Security Bank of Deer Lodge's total assets?
As of the Q2 2026 filing, First Security Bank of Deer Lodge reported total assets of $81.1 million in its FFIEC call report.
Where is First Security Bank of Deer Lodge headquartered?
It is headquartered in Deer Lodge, MT, United States.
When was First Security Bank of Deer Lodge founded?
It was established in 1972, per the FDIC institution directory.
Is First Security Bank of Deer Lodge FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20657). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Security Bank of Deer Lodge?
First Security Bank of Deer Lodge's primary federal regulator is the FDIC.
How many branches does First Security Bank of Deer Lodge operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Security Bank of Deer Lodge's Texas Ratio?
Its Texas Ratio is 11.05% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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