Peoples Bank of Deer Lodge: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Efficiency ratio: 9.01 percentage points higher than in Q1 2026, at 57.34%. Within Montana, Peoples Bank of Deer Lodge is 7th of 35 on return on assets, 2.06% as of Q2 2026, above the middle of the field. Peoples Bank of Deer Lodge's return on assets of 2.06% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 1.08 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.50% |
| Equity capital to assets | 9.67% |
| Tangible equity to tangible assets | 9.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.97% |
| Non-performing assets ratio | 1.87% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 18.05% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 56.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.06% |
| Return on equity | 21.78% |
| Net interest margin | 4.65% |
| Efficiency ratio | 57.34% |
| Yield on earning assets | 5.86% |
| Cost of funds | 1.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.01% |
| Core deposits to total deposits | 89.54% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.12% |
| Securities to assets | 10.44% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.10% | 1.23% | 3.94% | 0.28% | 0.00% |
| Q4 2023 | 9.35% | 1.24% | 4.43% | 0.29% | -0.01% |
| Q1 2024 | 10.29% | 1.30% | 4.43% | 1.87% | 0.00% |
| Q2 2024 | 10.30% | 1.32% | 4.75% | 1.18% | 0.13% |
| Q3 2024 | 10.77% | 1.19% | 4.45% | 1.14% | -0.04% |
| Q4 2024 | 9.97% | 2.01% | 4.90% | 1.13% | 0.00% |
| Q1 2025 | 10.84% | 2.06% | 4.74% | 1.07% | 0.00% |
| Q2 2025 | 11.10% | 2.17% | 5.14% | 0.98% | -0.01% |
| Q3 2025 | 11.20% | 1.91% | 5.07% | 0.97% | 0.00% |
| Q4 2025 | 10.51% | 1.68% | 5.09% | 1.89% | 0.83% |
| Q1 2026 | 10.21% | 2.05% | 4.91% | 2.03% | 0.22% |
| Q2 2026 | 10.50% | 2.06% | 4.65% | 1.97% | 0.00% |
Peoples Bank of Deer Lodge vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Deer Lodge, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)