BlastPoint's Banking Scorecard
Peoples Bank of Deer Lodge
Micro
Specialty: Agricultural
MT
FDIC cert 26941
Designations: ✓ Community bank
Deer Lodge, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
Peoples Bank of Deer Lodge has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.08% above tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.22% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$52.6M
+9.8% YoY
+2.5% QoQ
|
-$164.9M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$35.2M
+3.4% YoY
-4.4% QoQ
|
-$104.0M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$47.9M
+9.4% YoY
+3.0% QoQ
|
-$135.7M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
1.86%
+27.4% YoY
-5.7% QoQ
|
+0.77% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.76%
+3.2% YoY
-0.6% QoQ
|
+0.90% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
60.03%
-9.4% YoY
+1.1% QoQ
|
-7.70% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
1.91%
+66.8% YoY
+15.3% QoQ
|
+1.27% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
73.35%
-5.5% YoY
-7.2% QoQ
|
-1.17% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
39.48%
-6.2% YoY
+9.6% QoQ
|
+17.08% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
1.67%
+105.7% YoY
+40.6% QoQ
|
+1.22% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| 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 ? |
0.23%
+4.9% YoY
+33.7% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
39.48%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
1.67%
(Tier avg: 0.45%, National avg: 0.48%)
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
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.48% · Tier avg: 22.39%
87
87th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.08%
86
86th pctile
Net Interest Margin
Current: 4.76% · Tier avg: 3.85%
67
67th pctile
Efficiency Ratio
Current: 60.03% · Tier avg: 67.73%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.35% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
14
14th pctile
Delinquency Rate
Current: 1.91% · Tier avg: 0.64%
13
13th pctile
Total Loans
Current: $35.2M · Tier avg: $139.2M
10
10th pctile
Nonperforming Asset Ratio
Current: 1.67% · Tier avg: 0.45%
10
10th pctile
Total Deposits
Current: $47.9M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $52.6M · Tier avg: $217.5M
Top Weaknesses
8
8th pctile
Total Assets
Current: $52.6M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $47.9M · Tier avg: $183.7M
10
10th pctile
Nonperforming Asset Ratio
Current: 1.67% · Tier avg: 0.45%
13
13th pctile
Total Loans
Current: $35.2M · Tier avg: $139.2M
14
14th pctile
Delinquency Rate
Current: 1.91% · Tier avg: 0.64%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.35% · Tier avg: 74.53%
67
67th pctile
Efficiency Ratio
Current: 60.03% · Tier avg: 67.73%
86
86th pctile
Net Interest Margin
Current: 4.76% · Tier avg: 3.85%
87
87th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.08%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.48% · Tier avg: 22.39%