Peoples 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 8.38 percentage points in Q2 2026, from 115.78% to 107.39%. It was the largest change from Q1 2026 among the key lines here. Within Montana, Peoples Bank of Deer Lodge is 15th of 35 on loan-to-deposit ratio, 82.01% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Peoples Bank of Deer Lodge sits 14.38 points higher, at 82.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $37.5M |
| Net loans and leases | $37.1M |
| Loans held for sale | $0 |
| Loans to total assets | 73.90% |
| Loan-to-deposit ratio | 82.01% |
| Net loans to equity capital | 7.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.63% |
| Multifamily (5+ residential) | 2.82% |
| Commercial and industrial | 10.99% |
| Consumer | 4.16% |
| Credit cards | 0.00% |
| Farm | 16.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.39% |
| Construction concentration (Tier 1 capital + allowance) | 56.50% |
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 | 6.80% |
| Interest income on loans | $632K |
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 | $34.9M | $40.7M | 7.69% | 15.31% | 5.11% |
| Q4 2023 | $33.8M | $41.1M | 9.21% | 14.95% | 5.02% |
| Q1 2024 | $36.0M | $39.5M | 8.81% | 13.63% | 4.94% |
| Q2 2024 | $36.6M | $40.1M | 8.53% | 14.41% | 4.40% |
| Q3 2024 | $34.5M | $39.8M | 9.10% | 15.14% | 4.51% |
| Q4 2024 | $34.4M | $43.8M | 10.41% | 14.00% | 4.20% |
| Q1 2025 | $35.6M | $39.8M | 10.03% | 13.67% | 4.47% |
| Q2 2025 | $37.7M | $40.9M | 9.49% | 14.07% | 4.03% |
| Q3 2025 | $37.2M | $46.5M | 8.83% | 14.92% | 4.63% |
| Q4 2025 | $35.5M | $47.9M | 8.55% | 14.61% | 4.45% |
| Q1 2026 | $37.1M | $45.0M | 10.12% | 11.44% | 4.26% |
| Q2 2026 | $37.5M | $45.8M | 10.63% | 10.99% | 4.16% |
Peoples Bank of Deer Lodge loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples 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 Peoples Bank of Deer Lodge profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26941) · FFIEC NIC profile (RSSD 639857)