BlastPoint's Banking Scorecard
First Security Bank of Deer Lodge
Designations: ✓ Community bank
Deer Lodge, MT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 5 in MT.
- Deposits -6.4% year over year ($72.5M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.37%.
- Efficiency ratio 52.22% vs a 119.40% peer average.
- Loan-to-deposit ratio 96.01% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Security Bank of Deer Lodge demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.37% above tier average
- + Delinquency Rate 1.48% below tier average
- + Net Interest Margin 0.76% above tier average
- + Efficiency Ratio 67.17% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.1M
-5.5% YoY
-4.9% QoQ
|
+$18.6M |
$62.4M
-0.0% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
72% |
| Total Loans ? |
$69.6M
-0.9% YoY
+1.2% QoQ
|
+$34.7M |
$34.9M
-0.6% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
Top 5.8% in tier |
| Total Deposits ? |
$72.5M
-6.4% YoY
-5.4% QoQ
|
+$20.9M |
$51.6M
-0.2% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
79% |
| Return on Assets ? |
2.37%
-5.7% YoY
-17.3% QoQ
|
+1.37% |
1.00%
+3.5% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
Top 6.0% in tier |
| Net Interest Margin ? |
4.67%
+13.2% YoY
+5.9% QoQ
|
+0.76% |
3.91%
+2.3% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
79% |
| Efficiency Ratio ? |
52.22%
+22.2% YoY
+30.2% QoQ
|
-67.17% |
119.40%
+49.6% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
Top 12.1% in tier |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-1.48% |
1.48%
+31.8% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
96.01%
+5.9% YoY
+7.0% QoQ
|
+21.80% |
74.21%
+12.6% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 12.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.37%
+12.1% YoY
+11.1% QoQ
|
+4.88% |
23.49%
+0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
1.24%
-20.3% QoQ
|
+0.40% |
0.84%
+23.0% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
10.00%
+3.6% YoY
+2.5% QoQ
|
-17.12% |
27.13%
+3.0% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.3% in tier |
| Non-Interest Income / Assets ? |
0.24%
+6.9% YoY
+89.8% QoQ
|
-1.14% |
1.38%
+6.3% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
76% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.4%
+3.1pp YoY +2.8pp QoQ |
+3.7pp | 24.6% | 26.8% | 22.2% | 68% |
| Brokered Deposits | n/a | n/a | 9.8% | 10.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.3%
-1.4pp YoY -0.7pp QoQ |
-0.1pp | 13.4% | 14.3% | 12.5% | 62% |
| CRE |
17.9%
-0.2pp YoY -2.3pp QoQ |
-7.4pp | 25.2% | 42.8% | 41.4% | 41% |
| 1-4 Family |
52.0%
+3.1pp YoY +2.3pp QoQ |
+17.0pp | 35.0% | 26.0% | 31.3% | 73% |
| Consumer |
3.9%
+0.2pp YoY +0.2pp QoQ |
-3.8pp | 7.7% | 2.7% | 5.0% | 41% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.4% | 19.7% | n/a |
| Leverage Ratio |
10.0%
+0.4pp YoY +0.2pp QoQ |
-7.7pp | 17.7% | 13.2% | 12.6% | 18% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
0 YoY 0 QoQ |
-0 | 12 | 284 | 482 | 56% |
| Assets per Employee ($) |
$6.8M
-5.5% YoY -4.9% QoQ |
+$569K | $6.2M | $8.1M | $8.8M | 63% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 21 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.6% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 3.69x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.0% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.9%
-1.9pp YoY -5.7pp QoQ |
+17.5pp | 6.4% | 14.2% | 11.6% | 97% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.5% | 1.7% | 76% |
| Net Income ($, YTD) |
$1.0M
-6.1% YoY — QoQ |
+$687K | $317,817 | $14.9M | $40.4M | 96% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.