First Security Bank of Deer Lodge: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 9.06 percentage points in Q2 2026, from 144.82% to 135.77%. It was the largest change from Q1 2026 among the key lines here. First Security Bank of Deer Lodge ranks 5th of 35 Montana banks on loan-to-deposit ratio, in the upper half at 96.96% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First Security Bank of Deer Lodge sits 29.33 points higher, at 96.96% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $70.3M |
| Net loans and leases | $69.6M |
| Loans held for sale | $0 |
| Loans to total assets | 86.67% |
| Loan-to-deposit ratio | 96.96% |
| Net loans to equity capital | 8.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.59% |
| Multifamily (5+ residential) | 1.46% |
| Commercial and industrial | 13.16% |
| Consumer | 3.83% |
| Credit cards | 0.00% |
| Farm | 8.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 135.77% |
| Construction concentration (Tier 1 capital + allowance) | 51.52% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.99% |
| Interest income on loans | $1.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $76.0M | $78.4M | 11.41% | 11.16% | 3.96% |
| Q4 2023 | $73.8M | $72.4M | 11.95% | 9.63% | 3.99% |
| Q1 2024 | $78.5M | $66.8M | 10.45% | 12.40% | 3.86% |
| Q2 2024 | $79.0M | $74.2M | 10.21% | 13.25% | 3.66% |
| Q3 2024 | $78.0M | $77.4M | 10.15% | 13.59% | 3.96% |
| Q4 2024 | $72.1M | $72.9M | 10.80% | 14.08% | 3.82% |
| Q1 2025 | $71.3M | $79.7M | 10.63% | 14.78% | 3.52% |
| Q2 2025 | $70.9M | $77.4M | 11.16% | 14.58% | 3.64% |
| Q3 2025 | $72.9M | $73.2M | 11.62% | 14.59% | 3.71% |
| Q4 2025 | $71.3M | $79.6M | 11.70% | 15.31% | 3.64% |
| Q1 2026 | $69.5M | $76.7M | 11.69% | 13.83% | 3.60% |
| Q2 2026 | $70.3M | $72.5M | 9.59% | 13.16% | 3.83% |
First Security Bank of Deer Lodge loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security Bank of Deer Lodge, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Security Bank of Deer Lodge profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20657) · FFIEC NIC profile (RSSD 670654)