Peoples Bank of Deer Lodge
Peoples Bank of Deer Lodge is an FDIC-insured commercial bank headquartered in Deer Lodge, MT, supervised by the FDIC, with $50.0M in total assets at Q3 2026, down 2.6% from Q3 2025, the 34th largest of 35 banks headquartered in Montana. It was established in 1987 and holds FDIC certificate 26941. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.92% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26941
- Headquarters
- Deer Lodge, MT
- Established
- 1987
- Total assets, Q3 2026
- $50.0M
- Assets vs Q3 2025
- -2.6%
- Tier 1 leverage ratio, Q3 2026
- 10.92%
- Domestic offices
- 1 branch
- Routing number
- 092905029
- Safety and soundness
- Is Peoples Bank of Deer Lodge safe?
- Latest call report
- Q3 2026, FFIEC 051 · Peoples Bank of Deer Lodge call report
- Holding company
- SANDQUIST CORP.
- Asset rank in state
- 34th of 35 in Montana
Peoples Bank of Deer Lodge is one of the more profitable banks of its size. It reported $50 million in assets at September 30, 2026, down 2.6% from a year earlier. It returns 22.6% a year on shareholders' equity, 2.6 times the median of 8.8% for the 526 banks with less than $100 million in assets. On the other hand, it carries problem assets equal to 14.4% of the capital and reserves that would absorb them, 9.0 times the median of 1.6% for banks its size. A wide margin does most of the work: it keeps 5.00 cents of net interest income on every dollar of earning assets.
Net income for the quarter rose 27% from a year earlier, to $278,000. Over the same year, loans grew 5.6% and deposits shrank 3.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 1.1 times its capital, about triple the median of 32% for banks its size.
As of September 30, 2026, Peoples Bank of Deer Lodge reported a return on assets of 2.17%, a nonperforming-loan ratio of 1.42% and a Texas ratio of 14.39%. The figures come from its call report filed with the FFIEC.
Of the 35 banks headquartered in Montana, Peoples Bank of Deer Lodge is the 34th largest by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets fell 1.6% to $50.0M, loans rose 4.6% and deposits fell 1.8%. 1-4 family residential loans made up 27.7% of its total loans on September 30, 2026, its largest category; next came agricultural production loans at 16.8%. The FDIC Summary of Deposits lists a single office for it, in Deer Lodge, MT. Judged on its Q3 2026 call report, Peoples Bank of Deer Lodge meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 430 Main St, 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 9, 1987
- Domestic offices
- 1 branch
- Employees (FTE)
- 7
- Domestic deposits
- $44.9M
- Allowance for credit losses
- $417K
- Net charge-offs (YTD)
- $19K
- Average total assets
- $51.3M
- Average total loans
- $37.6M
- Average interest-bearing deposits
- $28.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 9, 1987
- FDIC Cert
- 26941
- Fed RSSD
- 639857
- Website
- www.pbdl.net →
- Parent Holding Company
- SANDQUIST CORP. (RSSD 1144077)
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Watch Peoples Bank of Deer Lodge: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Peoples Bank of Deer Lodge reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Peoples Bank of Deer Lodge's total assets moved between a low of $43.4M (Q1 2024) and a high of $52.6M (Q4 2025) from Q4 2023 to Q3 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$50.0M total assets against $51.3M; $45.1M total liabilities against $46.6M.
$38.9M net loans and leases against $36.8M; $44.9M total deposits against $46.5M.
$5.9M securities against $5.2M; $3.9M cash and balances due against $8.1M.
$780K total interest income against $714K; $154K total interest expense against $156K.
$626K net interest income against $558K.
$35K total noninterest income against $25K; $383K total noninterest expense against $364K.
$0 provision for credit losses against $0.
$278K net income against $219K.
2.17% return on assets against 1.91%; 5.00% net interest margin against 5.07%.
10.92% tier 1 leverage ratio against 11.20%.
Inside the full Peoples 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 Q4 2024 to Q3 2026, its return on assets ran from 1.68% (Q4 2025) to 2.17% (Q3 2026) and its net interest margin ran from 4.65% (Q2 2026) to 5.14% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 10.92% | 2.17% | 1.42% | 14.39% | 5.00% |
| Q2 2026 | 10.50% | 2.06% | 2.01% | 18.05% | 4.65% |
| Q1 2026 | 10.21% | 2.05% | 2.70% | 23.23% | 4.91% |
| Q4 2025 | 10.51% | 1.68% | 1.89% | 17.83% | 5.09% |
| Q3 2025 | 11.20% | 1.91% | 1.64% | 12.03% | 5.07% |
| Q2 2025 | 11.10% | 2.17% | 0.98% | 7.63% | 5.14% |
| Q1 2025 | 10.84% | 2.06% | 1.07% | 8.03% | 4.74% |
| Q4 2024 | 9.97% | 2.01% | 1.13% | 8.78% | 4.90% |
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 |
|---|---|---|---|
| Peoples Bank of Deer Lodge (main office) | Deer Lodge , MT | 59722 | $45.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 10, 1987 | Structure Change | Acquired Deer Lodge Bank and Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 9, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 1 against individuals associated with it. These actions name the parent holding company, SANDQUIST CORP., not the bank itself
- December 3, 1992, Federal Reserve: Civil Money Penalty $5,000: Sandquist Corporation, Deer Lodge, MT
- Period: Most recent institution action December 3, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MT, rank 40 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $65K approved, $65K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Peoples Bank of Deer Lodge
What are Peoples Bank of Deer Lodge's total assets?
As of the Q3 2026 filing, Peoples Bank of Deer Lodge reported total assets of $50.0 million in its FFIEC call report.
Where is Peoples Bank of Deer Lodge headquartered?
It is headquartered in Deer Lodge, MT, United States.
When was Peoples Bank of Deer Lodge founded?
It was established in 1987, per the FDIC institution directory.
Is Peoples Bank of Deer Lodge FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26941). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank of Deer Lodge?
Peoples Bank of Deer Lodge's primary federal regulator is the FDIC.
How many branches does Peoples 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 Peoples Bank of Deer Lodge's Texas Ratio?
Its Texas Ratio is 14.39% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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