BlastPoint's Banking Scorecard
First Security Bank of Deer Lodge
Micro
Specialty: Commercial
MT
FDIC cert 20657
Designations: ✓ Community bank
Deer Lodge, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
First Security Bank of Deer Lodge shows strong momentum with 2 strengths and 7.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.40% above tier
- + Efficiency Ratio 22.18% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$88.1M
+7.8% YoY
+7.8% QoQ
|
-$129.4M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$70.6M
-1.1% YoY
-2.1% QoQ
|
-$68.5M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$79.6M
+9.2% YoY
+8.7% QoQ
|
-$104.1M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
2.48%
+2.7% YoY
-3.8% QoQ
|
+1.40% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.32%
+6.2% YoY
+1.5% QoQ
|
+0.47% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
45.55%
+1.6% YoY
+6.4% QoQ
|
-22.18% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? | 1.43% | +0.79% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
88.75%
-9.5% YoY
-10.0% QoQ
|
+14.22% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
27.04%
-3.7% YoY
+4.9% QoQ
|
+4.65% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? | 1.15% | +0.70% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.43%
-7.5% YoY
+16.4% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.48%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.55%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Return on Assets
Current: 2.48% · Tier avg: 1.08%
95
95th pctile
Efficiency Ratio
Current: 45.55% · Tier avg: 67.73%
73
73th pctile
Net Interest Margin
Current: 4.32% · Tier avg: 3.85%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 27.04% · Tier avg: 22.39%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
29
29th pctile
Total Loans
Current: $70.6M · Tier avg: $139.2M
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.75% · Tier avg: 74.53%
21
21th pctile
Total Deposits
Current: $79.6M · Tier avg: $183.7M
20
20th pctile
Delinquency Rate
Current: 1.43% · Tier avg: 0.64%
19
19th pctile
Total Assets
Current: $88.1M · Tier avg: $217.5M
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.45%
Top Weaknesses
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.45%
19
19th pctile
Total Assets
Current: $88.1M · Tier avg: $217.5M
20
20th pctile
Delinquency Rate
Current: 1.43% · Tier avg: 0.64%
21
21th pctile
Total Deposits
Current: $79.6M · Tier avg: $183.7M
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.75% · Tier avg: 74.53%
29
29th pctile
Total Loans
Current: $70.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 27.04% · Tier avg: 22.39%
73
73th pctile
Net Interest Margin
Current: 4.32% · Tier avg: 3.85%
95
95th pctile
Efficiency Ratio
Current: 45.55% · Tier avg: 67.73%
96
96th pctile
Return on Assets
Current: 2.48% · Tier avg: 1.08%