2.07%
+1.9%y/y
Peer standing92nd percentile
FDIC
NETINC + ROAPB
Peoples Bank of Deer Lodge
Deer Lodge, MontanaFDIC Cert #26941
STATEEstablished 19871 branch
Holding company: SANDQUIST CORPRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
22.69%
+1.4%y/y
Peer standing97th percentile
FDIC
NETINC + ROE2.07%
+1.9%y/y
Peer standing89th percentile
FDIC
PTAXNETINC + ASSET5.02%
+7.4%y/y
Peer standing88th percentile
FDIC
NIM + NIMY6.28%
+7.0%y/y
Peer standing78th percentile
FDIC
INTINCY2.16%
+2.1%y/y
Peer standing49th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
48.41%
−15.7%y/y
Peer standing90th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.49%
−9.2%y/y
Peer standing62nd percentile
FDIC
NONIX + ASSET6.07%
+4.3%y/y
Percentile by value41st percentileby value
FDIC
NONII + NIM+12.69%
+541.9%y/y
Percentile by value91st percentileby value
FDIC
ASSET+12.94%
+1,386.2%y/y
Percentile by value90th percentileby value
FDIC
DEP+4.11%
+445.9%y/y
Percentile by value53rd percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA2.07%92nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.11%Median 1.10%90th 1.97%Observations 329
ROE
FDIC
NETINC + ROE22.69%96th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.69%Median 9.42%90th 17.70%Observations 329
NIM
FDIC
NIM + NIMY5.02%88th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.95%Median 3.93%90th 5.09%Observations 329
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR48.41%90th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.38%Median 67.12%90th 92.94%Observations 329
Deposits YoY
FDIC
DEP+12.94%89th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.05%Median +3.15%90th +12.96%Observations 329
Loans YoY
FDIC
LNLSNET+4.11%53rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −7.88%Median +3.43%90th +18.70%Observations 327
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.70%85th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.45%90th 3.24%Observations 327
Leverage
FDIC
RBC1AAJ10.21%28th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 11.93%90th 16.90%Observations 329
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.16%49th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.25%Median 2.14%90th 3.09%Observations 328
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 4%Median 46%90th 149%Observations 146
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA2.07%84th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.90%Median 1.37%90th 2.26%Observations 33
ROE
FDIC
NETINC + ROE22.69%88th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.11%Median 14.52%90th 22.40%Observations 33
NIM
FDIC
NIM + NIMY5.02%88th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.22%Median 4.19%90th 5.03%Observations 33
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR48.41%78th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.29%Median 55.73%90th 73.08%Observations 33
Deposits YoY
FDIC
DEP+12.94%85th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.62%Median +6.71%90th +13.99%Observations 33
Loans YoY
FDIC
LNLSNET+4.11%50th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.86%Median +4.11%90th +15.54%Observations 33
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.70%82nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.73%90th 3.12%Observations 33
Leverage
FDIC
RBC1AAJ10.21%52nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.23%Median 10.20%90th 13.54%Observations 33
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.16%66th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.67%Median 2.26%90th 2.87%Observations 33
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 36%Median 172%90th 267%Observations 20
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.