Peoples Bank of Deer Lodge: how it compares with its peers
Against 523 U.S. banks with half to twice its assets, Peoples Bank of Deer Lodge's strongest measure in Q2 2026 is return on assets (2.07% vs. a 1.02% peer median). Its weakest relative measure is assets per employee ($7.3M vs. $6.1M).
| Measure | Peoples Bank of Deer Lodge | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.07% | 1.02% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.91% | 3.86% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.85% | 69.88% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $6.1M | Top third Ahead of 69% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.10% | 66.77% | Context |
What it means for lending operations
Its efficiency ratio of 52.85% is better than the 69.88% 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
- Rayne Building and Loan Association Rayne, LA · $51M
- Benton County State Bank Blairstown, IA · $51M
- The State Exchange Bank Mankato, KS · $51M
- The Northern State Bank of Gonvick Gonvick, MN · $51M
- Brighton Bank Brighton, TN · $51M
- Lamont Bank of St. John Saint John, WA · $51M
Questions about Peoples Bank of Deer Lodge
How big is Peoples Bank of Deer Lodge?
Peoples Bank of Deer Lodge, established in 1987, is headquartered in Deer Lodge, MT. It reported $51M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Peoples Bank of Deer Lodge's return on assets?
2.07% annualized in Q2 2026, against a 1.02% median for 523 U.S. banks with half to twice its assets, ahead of 89% of them.
What is Peoples Bank of Deer Lodge's efficiency ratio?
52.85% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 69.88%, and lower is better.
Is Peoples Bank of Deer Lodge growing its loans?
Net loans shrank 0.4% over the year to Q2 2026, while deposits grew 11.9%.
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 U.S. 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.