FDIC Cert #26941 · Deer Lodge, Montana · Est. 1987

Peoples Bank of Deer Lodge - FDIC Bank Health Profile

A community-scale look at Peoples Bank of Deer Lodge's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$53M
Total assets
B
Health grade · Good
1.86%
Return on assets
10.5%
Tier 1 capital

Data updated July 2026

The verdict

Peoples Bank of Deer Lodge earns a PlainBankData health grade of B (77/100), with well-capitalized at 10.51% Tier 1, profitable at 1.86% ROA, 60% efficiency ratio.

#4,118
largest of 4,313 FDIC banks by assets
4th
percentile by asset size, nationally
10.51%
Tier 1 ratio - above the 10% well-capitalized line
87th
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.

FDIC Call Report plate

Cert 26941 · MT B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2384/4307
  • PHOTO-FINISH River City Bank, Inc. · KY
  • TIER1-WELL 10.5% Tier 1
  • TEXAS-CLEAN 13.6% Texas
  • ROA-STRONG 1.86% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Montana: River City Bank, Inc., KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Peoples Bank of Deer Lodge

Lowest and highest poles plus nearest scored peers outside Montana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bankhometown · MA · near77/100Everett Co-operative… · MA ·…77/100OneLocal Bank · MA · near77/100Peoples Bank of Deer… · MT ·…77/100River City Bank, Inc. · KY ·…77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Peoples Bank of Deer Lodge · July 2026

Plate reading for Peoples Bank of Deer Lodge where failures stay rare

Peoples Bank of Deer Lodge (FDIC Cert #26941) carries a PlainBankData health grade of B at 77/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,384 of 4,307. Tier 1 capital prints at 10.51%, clearing the 10% well-capitalized line. The Texas Ratio is 13.63%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.86%. Balance-sheet scale is $53M, 4,118th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is River City Bank, Inc. (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Peoples Bank of Deer Lodge

Zero FAILURE resolutions in Montana since 2000

Peoples Bank of Deer Lodge is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • Q BANK FORT BENTON, MT 1998 → HERITAGE STATE BANK
  • FIRST SECURITY BANK OF ANACONDA ANACONDA, MT 1992 → BANK OF MONTANA ANACONDA
  • TREASURE STATE BANK GLASGOW, MT 1989 → VALLEY BANK OF GLASGOW

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Montana banks.

How Peoples Bank of Deer Lodge's 77/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10077/100
Peoples Bank of Deer Lodge's composite health score
Tier 1 Capital Ratio (10.51%) 28/40
Return on Assets (ROA) (1.86%) 25/25
Texas Ratio (13.63%) 16/20
Efficiency Ratio (60.03%) 8/15

77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$53M

Total balance-sheet footings

Total Deposits

$48M

Customer-funded liabilities

Net Loans

$35M

Outstanding loan book

Net Income

$898K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.11% 10.51% 11.91%
Basel III capital ratios - Peoples Bank of Deer Lodge

Where Peoples Bank of Deer Lodge ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples Bank of Deer Lodge's score of 77/100 falls in the highlighted band.

Peoples Bank of Deer Lodge: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 45th percentile higher than 45% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Peoples Bank of Deer Lodge 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Peoples 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). Peoples Bank of Deer Lodge's $53M falls in the highlighted band.

Safety metrics: Peoples Bank of Deer Lodge

Tier 1 capital ratio
Well-capitalized 10%

10.51% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.51%
Texas Ratio
13.63%
Equity Capital
$5M

What these ratios mean →

Earnings posture at Peoples Bank of Deer Lodge

Return on Assets (ROA)
87th percentile nationally
1.86%
Return on Equity (ROE)
20.40%
Efficiency Ratio
60.03%

What these mean →

Income & expense at Peoples Bank of Deer Lodge

$3M
Interest Income
$122K
Non-Interest Income
$1M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples Bank of Deer Lodge reports a Texas Ratio of 13.63% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

13.63% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Peoples Bank of Deer Lodge on FDIC BankFind →

Top banks in Montana by total assets

Largest banks headquartered in Montana
  1. 1
    Glacier Bank $32.0B

    Kalispell, MT · Grade B

  2. 2
    First Interstate Bank $26.6B

    Billings, MT · Grade A

  3. 3
    Stockman Bank of Montana $7.6B

    Miles City, MT · Grade A

  4. 4
    Opportunity Bank of Montana $2.1B

    Helena, MT · Grade B

  5. 5
    The Yellowstone Bank $1.4B

    Laurel, MT · Grade A

Top 5 banks in Montana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($53M here), outside Montana so the neighborhood is not state containment.

First State Bank $52M · OK The Farmers State Bank of Blue Mound $53M · KS United Minnesota Bank $52M · MN Farmers & Merchants Bank of Hutsonvil… $52M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples Bank of Deer Lodge (FDIC Cert #26941) - 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.

Peoples Bank of Deer Lodge Call Report profile · FDIC Failed Bank List · Montana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Montana

All Montana banks →
BankAssetsGradeROA
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%