Total Assets
$88M
Total balance-sheet footings
FDIC Cert #20657 · Deer Lodge, Montana · Est. 1972
First Security Bank of Deer Lodge - FDIC Bank Health Profile
A community-scale look at First Security Bank of Deer Lodge's own numbers, pulled straight from its quarterly FDIC Call Report.
- $88M
- Total assets
- B
- Health grade · Good
- 2.48%
- Return on assets
- 9.6%
- Tier 1 capital
Data updated July 2026
The verdict
First Security Bank of Deer Lodge earns a PlainBankData health grade of B (74/100), with 9.56% Tier 1 capital, profitable at 2.48% ROA, efficient (46% cost ratio).
- #3,832
- largest of 4,313 FDIC banks by assets
- 11th
- percentile by asset size, nationally
- 9.56%
- Tier 1 ratio - below the 10% well-capitalized line
- 96th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First Security Bank of Deer Lodge's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Security Bank of Deer Lodge's composite health score
Tier 1 Capital Ratio (9.56%) 18/40
Return on Assets (ROA) (2.48%) 25/25
Texas Ratio (11.25%) 16/20
Efficiency Ratio (45.55%) 15/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$80M
Customer-funded liabilities
Net Loans
$71M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Security Bank of Deer Lodge ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Security Bank of Deer Lodge's score of 74/100 falls in the highlighted band.
First Security Bank of Deer Lodge's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Security Bank of Deer Lodge's $88M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.56% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.56%
Texas Ratio
11.25%
Equity Capital
$8M
Profitability metrics
Return on Assets (ROA)
96th percentile nationally
2.48%
Return on Equity (ROE)
25.49%
Efficiency Ratio
45.55%
What the numbers say about First Security Bank of Deer Lodge
First Security Bank of Deer Lodge is an FDIC-insured institution (Certificate #20657) headquartered in Deer Lodge, Montana, established in 1972. It holds $88M in total assets - 3,832nd of 4,313 FDIC-insured banks, $80M in customer deposits, and $71M in net loans. Its capital position: a Tier 1 ratio of 9.56%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 11.25% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (74 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Security Bank of Deer Lodge is a community-scale institution -- 33rd of 36 FDIC-insured banks headquartered in Montana by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$5M
Interest Income
$379K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Security Bank of Deer Lodge reports a Texas Ratio of 11.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Montana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Security Bank of Deer Lodge (FDIC Cert #20657) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Montana
All Montana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Glacier BankKalispell | $32.0B | B | 0.90% |
| First Interstate BankBillings | $26.6B | A | 1.20% |
| Stockman Bank of MontanaMiles City | $7.6B | A | 1.87% |
| Opportunity Bank of MontanaHelena | $2.1B | B | 0.83% |
| The Yellowstone BankLaurel | $1.4B | A | 2.85% |
| Independence BankHavre | $1.3B | A | 1.57% |
| TrailWest BankLolo | $1.1B | A | 1.88% |
| Bank of Bridger, National AssociationBridger | $799M | A | 0.72% |
Frequently asked questions
What is First Security Bank of Deer Lodge's health grade?▼
First Security Bank of Deer Lodge receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Security Bank of Deer Lodge?▼
First Security Bank of Deer Lodge holds $88M in total assets and $80M in deposits, ranking 3,832nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Deer Lodge, Montana.
Is my money safe at First Security Bank of Deer Lodge?▼
Yes, deposits at First Security Bank of Deer Lodge (Certificate #20657) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Security Bank of Deer Lodge's Tier 1 Capital Ratio?▼
First Security Bank of Deer Lodge has a Tier 1 Capital Ratio of 9.56%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for First Security Bank of Deer Lodge?▼
First Security Bank of Deer Lodge has a Texas Ratio of 11.25%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Security Bank of Deer Lodge?▼
First Security Bank of Deer Lodge has an Efficiency Ratio of 45.55%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Security Bank of Deer Lodge's profile as a depositor or analyst.
- First Security Bank of Deer Lodge's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Security Bank of Deer Lodge against other Montana banks before moving funds. Montana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.