BlastPoint's Banking Scorecard
First Security Bank of Deer Lodge
Designations: ✓ Community bank
Deer Lodge, MT
First Security Bank of Deer Lodge has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.01% above tier average
- + Efficiency Ratio 47.53% below tier average
- + Net Interest Margin 0.54% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.57% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.3M
-3.2% YoY
-3.2% QoQ
|
+$23.0M |
$62.3M
-0.5% YoY
|
$2.2B
+4.6% YoY
|
$6.2B
+9.0% YoY
|
79% |
| Total Loans ? |
$68.8M
-2.5% YoY
-2.6% QoQ
|
+$34.5M |
$34.3M
-1.5% YoY
|
$1.4B
+4.2% YoY
|
$3.2B
+10.7% YoY
|
Top 5.0% in tier |
| Total Deposits ? |
$76.7M
-3.8% YoY
-3.7% QoQ
|
+$24.8M |
$51.8M
-0.6% YoY
|
$1.8B
+7.6% YoY
|
$4.8B
+8.0% YoY
|
Top 14.9% in tier |
| Return on Assets ? |
2.87%
+15.0% YoY
+15.4% QoQ
|
+2.01% |
0.86%
-3.6% YoY
|
1.68%
-1.3% YoY
|
1.24%
+13.1% YoY
|
Top 3.5% in tier |
| Net Interest Margin ? |
4.41%
+10.1% YoY
+2.0% QoQ
|
+0.54% |
3.87%
+2.7% YoY
|
4.10%
+5.8% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
40.10%
-7.6% YoY
-12.0% QoQ
|
-47.53% |
87.63%
+2.3% YoY
|
58.72%
-5.2% YoY
|
66.84%
-3.8% YoY
|
Top 3.2% in tier |
| Delinquency Rate ? |
1.93%
+34.4% QoQ
|
+0.57% |
1.36%
+33.7% YoY
|
1.39%
+39.3% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
89.75%
+1.4% YoY
+1.1% QoQ
|
+25.64% |
64.11%
-0.9% YoY
|
68.91%
-2.0% YoY
|
76.69%
+0.9% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
25.53%
+2.0% YoY
-5.6% QoQ
|
+1.75% |
23.79%
+0.5% YoY
|
25.97%
-0.3% YoY
|
22.01%
-1.1% YoY
|
58% |
| Nonperforming Asset Ratio ? |
1.55%
+35.2% QoQ
|
+0.78% |
0.77%
+28.7% YoY
|
0.81%
+56.4% YoY
|
0.66%
+19.3% YoY
|
Bottom 14.9% in tier |
| Tier 1 Capital Ratio ? |
9.76%
+0.7% YoY
+2.0% QoQ
|
-17.02% |
26.77%
+2.0% YoY
|
19.61%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.2% in tier |
| Non-Interest Income / Assets ? |
0.13%
+25.6% YoY
-70.8% QoQ
|
-0.54% |
0.67%
+1.6% YoY
|
0.88%
+4.1% YoY
|
0.32%
+4.0% YoY
|
78% |
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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.