BlastPoint's Banking Scorecard
Peoples Bank of Deer Lodge
Designations: ✓ Community bank
Deer Lodge, MT
Peoples Bank of Deer Lodge has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.21% above tier average
- + Efficiency Ratio 39.22% below tier average
- + Net Interest Margin 1.15% above tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.65% above tier average
- - Delinquency Rate 1.37% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$49.9M
+12.7% YoY
-5.2% QoQ
|
-$12.4M |
$62.3M
-0.5% YoY
|
$2.2B
+4.6% YoY
|
$6.2B
+9.0% YoY
|
31% |
| Total Loans ? |
$36.7M
+4.1% YoY
+4.3% QoQ
|
+$2.4M |
$34.3M
-1.5% YoY
|
$1.4B
+4.2% YoY
|
$3.2B
+10.7% YoY
|
58% |
| Total Deposits ? |
$45.0M
+12.9% YoY
-6.1% QoQ
|
-$6.8M |
$51.8M
-0.6% YoY
|
$1.8B
+7.6% YoY
|
$4.8B
+8.0% YoY
|
36% |
| Return on Assets ? |
2.07%
+1.9% YoY
+11.3% QoQ
|
+1.21% |
0.86%
-3.6% YoY
|
1.68%
-1.3% YoY
|
1.24%
+13.1% YoY
|
Top 8.9% in tier |
| Net Interest Margin ? |
5.02%
+7.4% YoY
+5.5% QoQ
|
+1.15% |
3.87%
+2.7% YoY
|
4.10%
+5.8% YoY
|
3.89%
+5.7% YoY
|
Top 10.2% in tier |
| Efficiency Ratio ? |
48.41%
-15.7% YoY
-19.4% QoQ
|
-39.22% |
87.63%
+2.3% YoY
|
58.72%
-5.2% YoY
|
66.84%
-3.8% YoY
|
Top 8.0% in tier |
| Delinquency Rate ? |
2.73%
+152.3% YoY
+43.0% QoQ
|
+1.37% |
1.36%
+33.7% YoY
|
1.39%
+39.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.5% in tier |
| Loan-to-Deposit Ratio ? |
81.49%
-7.8% YoY
+11.1% QoQ
|
+17.38% |
64.11%
-0.9% YoY
|
68.91%
-2.0% YoY
|
76.69%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
36.11%
-3.0% YoY
-8.5% QoQ
|
+12.33% |
23.79%
+0.5% YoY
|
25.97%
-0.3% YoY
|
22.01%
-1.1% YoY
|
Top 11.9% in tier |
| Nonperforming Asset Ratio ? |
2.42%
+181.4% YoY
+45.1% QoQ
|
+1.65% |
0.77%
+28.7% YoY
|
0.81%
+56.4% YoY
|
0.66%
+19.3% YoY
|
Bottom 7.8% in tier |
| Tier 1 Capital Ratio ? |
10.21%
-5.8% YoY
-2.8% QoQ
|
-16.56% |
26.77%
+2.0% YoY
|
19.61%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.0% in tier |
| Non-Interest Income / Assets ? |
0.08%
+10.9% YoY
-65.4% QoQ
|
-0.59% |
0.67%
+1.6% YoY
|
0.88%
+4.1% YoY
|
0.32%
+4.0% YoY
|
61% |
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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.