Bank Safety Analysis
Is Peoples Bank of Deer Lodge Safe? Deer Lodge, Montana
Based on its Q3 2026 call report, Peoples Bank of Deer Lodge meets the community bank leverage ratio test for well capitalized, its Texas ratio is 14.39%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Peoples Bank of Deer Lodge safe?
On its Q3 2026 call report, Peoples Bank of Deer Lodge's Community Bank Leverage Ratio is 10.92%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 10.92%
- Texas ratio (Q3 2026): 14.39%
- Noncurrent loans ratio (Q3 2026): 1.42%
Peoples Bank of Deer Lodge is an FDIC-insured commercial bank (FDIC Certificate #26941). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Peoples Bank of Deer Lodge (FDIC Certificate #26941) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Peoples Bank of Deer Lodge passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The standout move of Q3 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 0.59 percentage points lower than in Q2 2026, at 1.42%. Peoples Bank of Deer Lodge ranks 16th of 35 Montana banks on leverage ratio, in the upper half at 10.92% (Q3 2026). The median for banks in the < $100M asset tier is 12.88% on leverage ratio. Peoples Bank of Deer Lodge sits 1.95 points lower, at 10.92% (Q3 2026).
From Q4 2023 to Q3 2026, Peoples Bank of Deer Lodge's Texas ratio ranged between 2.37% (Q4 2023) and 32.88% (Q1 2024). Between Q3 2025 and Q3 2026, Peoples Bank of Deer Lodge's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.64% to 1.42%, Texas ratio rose from 12.03% to 14.39% and return on assets rose from 1.91% to 2.17%.
Peoples Bank of Deer Lodge ranks as the 34th largest of the 35 banks based in Montana, by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $10.9M of $39.3M in total loans on its September 30, 2026 call report. Against the 567 banks with under $100M in assets for Q3 2026, Peoples Bank of Deer Lodge's community bank leverage ratio of 10.92% is below the 12.88% median, nonperforming loans ratio of 1.42% is above the 0.36% median, Texas ratio of 14.39% is above the 1.89% median, and efficiency ratio of 57.73% is below the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Peoples Bank of Deer Lodge's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Peoples Bank of Deer Lodge score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does Peoples Bank of Deer Lodge trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 14.39% | Within range |
| Nonperforming loan ratio BankRegReports band | 1.42% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 87.41% | Within range |
| Commercial real estate to capital supervisory threshold | 106.46% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 14.39% |
| Q2 2026 | 18.05% |
| Q1 2026 | 23.23% |
| Q4 2025 | 17.83% |
| Q3 2025 | 12.03% |
| Q2 2025 | 7.63% |
| Q1 2025 | 8.03% |
| Q4 2024 | 8.78% |
| Q3 2024 | 8.57% |
| Q2 2024 | 26.47% |
| Q1 2024 | 32.88% |
| Q4 2023 | 2.37% |
Loans by type, Q3 2026
- 1-4 family residential loans: $10.9M
- Agricultural production loans: $6.6M
- Commercial and industrial loans: $5.1M
- Construction and land development loans: $2.8M
- Owner-occupied commercial real estate loans: $2.5M
- Non-owner-occupied commercial real estate loans: $2.5M
- Other consumer loans: $1.1M
- Multifamily loans: $1.1M
How have Peoples Bank of Deer Lodge's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $50.0M | 10.92% | 1.42% | 14.39% | 57.73% |
| Jun 30, 2026 | $50.8M | 10.50% | 2.01% | 18.05% | 57.34% |
| Mar 31, 2026 | $49.9M | 10.21% | 2.70% | 23.23% | 48.33% |
| Dec 31, 2025 | $52.6M | 10.51% | 1.89% | 17.83% | 61.79% |
| Sep 30, 2025 | $51.3M | 11.20% | 1.64% | 12.03% | 62.32% |
| Jun 30, 2025 | $45.4M | 11.10% | 0.98% | 7.63% | 58.04% |
| Mar 31, 2025 | $44.3M | 10.84% | 1.07% | 8.03% | 57.34% |
| Dec 31, 2024 | $47.9M | 9.97% | 1.13% | 8.78% | 58.73% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Peoples Bank of Deer Lodge FDIC insured?
Yes. Peoples Bank of Deer Lodge is an FDIC-insured commercial bank (FDIC Certificate #26941). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Peoples Bank of Deer Lodge well capitalized?
On its Q3 2026 call report, Peoples Bank of Deer Lodge's Community Bank Leverage Ratio is 10.92%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Peoples Bank of Deer Lodge's key safety ratios?
For Q3 2026, Peoples Bank of Deer Lodge reports leverage 10.92%, Texas ratio 14.39%, noncurrent loans 1.42%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if Peoples Bank of Deer Lodge fails?
For Q3 2026, Peoples Bank of Deer Lodge reported $44.9M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Peoples Bank of Deer Lodge profile.
How we score this
Peoples Bank of Deer Lodge elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio Peoples Bank of Deer Lodge is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 26941) · FFIEC NIC profile (RSSD 639857)
Explore: Full Peoples Bank of Deer Lodge profile · Other banks in MT · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.