First Security Bank of Deer Lodge: how it compares with its peers
Against 10 MT banks with half to twice its assets, First Security Bank of Deer Lodge's strongest measure in Q2 2026 is return on assets (2.37% vs. a 1.48% peer median). Its weakest relative measure is assets per employee ($6.8M vs. $6.9M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.37% | 1.48% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.67% | 4.47% | Top third Ahead of 70% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.22% | 56.53% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $6.9M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.01% | 81.07% | Context |
What it means for lending operations
Its efficiency ratio of 52.22% is better than the 56.53% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Belt Valley Bank Belt, MT · $90M
- First Security Bank of Roundup Roundup, MT · $95M
- Ascent Bank Helena, MT · $104M
- Garfield County Bank Jordan, MT · $108M
- Bank of Bozeman Bozeman, MT · $108M
- Peoples Bank of Deer Lodge Deer Lodge, MT · $51M
Questions about First Security Bank of Deer Lodge
How big is First Security Bank of Deer Lodge?
First Security Bank of Deer Lodge, established in 1972, is headquartered in Deer Lodge, MT. It reported $81M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First Security Bank of Deer Lodge's return on assets?
2.37% annualized in Q2 2026, against a 1.48% median for 10 MT banks with half to twice its assets, ahead of 100% of them.
What is First Security Bank of Deer Lodge's efficiency ratio?
52.22% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 56.53%, and lower is better.
Is First Security Bank of Deer Lodge growing its loans?
Net loans shrank 0.9% over the year to Q2 2026, while deposits shrank 6.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MT banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Montana bank ranked.