First Security Bk Deer Lodge
Deer Lodge, Montana · FDIC Cert #20657
This is the FDIC profile for First Security Bk Deer Lodge, an FDIC-insured bank (Certificate #20657) with $91M in total assets and $74M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Deer Lodge, Montana, the bank maintains a Tier 1 capital ratio of 9.59% (Well-Capitalized) and a nonperforming loan ratio of 0.37%. BankHealthData assigns a composite Health Grade of B (66/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Security Bk Deer Lodge (FDIC cert 20657) is a community bank — $91M in total assets, $74M in deposits, serving the Deer Lodge, Montana area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 9.59% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.37% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 12.4% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 2.45% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. First Security Bk Deer Lodge carries a composite BankHealth grade of B (66/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Security Bk Deer Lodge
- Total Assets
- $91M
- Total Deposits
- $74M
- Tier 1 Capital Ratio
- 9.59%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.37%
- Liquidity Ratio
- 12.39%
- Return on Assets
- 2.45%
- Headquarters
- Deer Lodge, Montana
- FDIC Certificate
- #20657
- Health Grade
- B (66/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
First Security Bk Deer Lodge files quarterly Call Reports with the FDIC under Certificate #20657. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, First Security Bk Deer Lodge holds a Tier 1 capital ratio of 9.59%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Security Bk Deer Lodge has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Security Bk Deer Lodge shows strong financial health indicators. With $91M in assets and a Health Score of 66/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Security Bk Deer Lodge Compares
First Security Bk Deer Lodge’s Health Score of 66 is 14 points below the Montana state average of 80 across 33 FDIC-insured banks. Its 9.59% Tier 1 capital ratio is 4.4 points below the US banking industry average near 14%. The 0.37% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.45% is in line with or above the national ROA benchmark of ~1.1%. Among 1025 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort. Site-wide, First Security Bk Deer Lodge is 14 points below the portfolio average of 80.
Frequently Asked Questions
First Security Bk Deer Lodge has a Bank Health Score of B (66/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 9.59%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Security Bk Deer Lodge's Tier 1 capital ratio of 9.59% and nonperforming loan ratio of 0.37% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Security Bk Deer Lodge is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #20657). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Security Bk Deer Lodge holds $91M in total assets and $74M in total deposits. It is headquartered in Deer Lodge, Montana (FDIC Certificate #20657).
First Security Bk Deer Lodge's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #20657 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
First Security Bk Deer Lodge has a Tier 1 capital ratio of 9.59%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.37%, and the return on assets is 2.45%.
Yes. First Security Bk Deer Lodge is FDIC-insured (Certificate #20657). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Security Bk Deer Lodge's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.