First Security Bank of Deer Lodge

Headquarters

311 Milwaukee Avenue
Deer Lodge, MT 59722
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.66% →
1-Year CD 1.00% 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD 1.50% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First Security Bank of Deer Lodge is an FDIC insured institution located in Deer Lodge, MT. It was founded in 1972 and has approximately $0.06 billion in assets.

FDIC Insured Yes
FDIC Certificate # 20657
Date Established 1972
Assets $ 59.54 million
Loans $ 40.74 million
Deposits $ 51.41 million
Capital $ 5.12 million
 

For a more detailed analysis of First Security Bank of Deer Lodge's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.25% $2,500 $4,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.85% $10,000 $14,999 Learn More
6 Mo CD
0.85% $100,000 $199,999 Learn More
12 Mo CD
1.00% $10,000 $14,999 Learn More
12 Mo CD
1.00% $100,000 $199,999 Learn More
18 Mo CD
1.10% $10,000 $14,999 Learn More
18 Mo CD
1.10% $100,000 $199,999 Learn More
30 Mo CD
1.25% $10,000 $14,999 Learn More
30 Mo CD
1.25% $100,000 $199,999 Learn More
48 Mo CD
1.50% $10,000 $14,999 Learn More
48 Mo CD
1.50% $100,000 $199,999 Learn More
60 Mo CD
1.50% $10,000 $14,999 Learn More
60 Mo CD
1.50% $100,000 $199,999 Learn More

Variable IRA Rates APY MIN MAX
Var IRA
1.25% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Security Bank of Deer Lodge

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

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2.775% 2.750% 0.38 $808 $1,021 Learn More
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2.706% 2.625% 0.63 $2,668 $1,005 Learn More
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NMLS ID: 1168
2.790% 2.750% 0.50 $1,290 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to First Security Bank of Deer Lodge
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Branches

First Security Bank of Deer Lodge branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First Security Bank of Deer Lodge Locations


Financial Details

First Security Bank of Deer Lodge Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Security Bank of Deer Lodge. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Security Bank of Deer Lodge U.S. Bank Average
0.13% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2020, First Security Bank of Deer Lodge had $7,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,117,000 in equity and $318,000 in loans loss reserves. That gives it a Texas Ratio of 0.13%.

Return on Equity
First Security Bank of Deer Lodge U.S. Bank Average
29.53% 9.24%

First Security Bank of Deer Lodge has a Return on Equity of 29.53% versus the BestCashCow average of 9.24%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Security Bank of Deer Lodge U.S. Bank Average
8.59% 11.96%

First Security Bank of Deer Lodge has a Capitalization of 8.59% versus the BestCashCow average of 11.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Security Bank of Deer Lodge Balance Sheet Analysis

As of December 31, 2020, First Security Bank of Deer Lodge had assets of $59,540,000, loans of $40,736,000, and deposits of $51,411,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 17.79 million
Interest-bearing balances $ 15.67 million
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 40.74 million
Loan loss allowance $ 0.32 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.00 million
     Total Assets $ 54.42 million
LIABILITIES
Total deposits $ 51.41 million
      Interest-bearing deposits $ 34.74 million
      Deposits held in domestic offices $ 51.41 million
      % insured (estimated) 73.27%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 3.00 million
Subordinated debt N.A.
All other liabilities $ 0.01 million
      Total Liabilities $ 54.42 million
      Shareholders’ Equity $ 5.12 million

Summary Income Statement

December 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.23 million
Total Interest Expense $ 0.17 million
Net interest income $ 2.07 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.23 million
Total non interest expense $ 1.05 million
Pre-tax Net Operating Income $ 1.39 million

Bank Loan Profile?

The top three loan types in First Security Bank of Deer Lodge’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Montana, First Security Bank of Deer Lodge has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 36.23
Multifamily
Mortgages
1.08
Credit Card Loans 0.00
Consumer Auto Loans 7.04
Small Business Loans 9.09
Construction and Development Loans 0.27
Commercial Real Estate 11.06
Commercial and Industrial Loans 25.01
Farm Loans 6.30

Frequently Asked Questions About First Security Bank Of Deer Lodge

Branches and Savings

Is First Security Bank Of Deer Lodge FDIC insured?

Yes. It is covered under FDIC Certificate #20657.

Why does First Security Bank Of Deer Lodge pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Security Bank Of Deer Lodge CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Security Bank Of Deer Lodge a commercial bank?

Yes

Where are First Security Bank Of Deer Lodge locations?

See branch locations nearby.

Is First Security Bank Of Deer Lodge open on Saturdays?

Is First Security Bank Of Deer Lodge open on Sundays?

What time does First Security Bank Of Deer Lodge open?

What time does First Security Bank Of Deer Lodge close?

Are First Security Bank Of Deer Lodge ATMs Open 24/7?

Do First Security Bank Of Deer Lodge ATMs accept cash deposits?

Can First Security Bank Of Deer Lodge customers use other ATMs?

Do First Security Bank Of Deer Lodge branches have notaries?

Will First Security Bank Of Deer Lodge notarize my document?

What address for First Security Bank Of Deer Lodge should I put for incoming ACH transfers?

Will the First Security Bank Of Deer Lodge branch print checks?

Do First Security Bank Of Deer Lodge checks expire?

Does First Security Bank Of Deer Lodge require US citizenship to open account?

Can First Security Bank Of Deer Lodge close my account?

Does First Security Bank Of Deer Lodge Report to credit bureaus?

Does First Security Bank Of Deer Lodge Use Equifax?

What is First Security Bank Of Deer Lodge's ACH Routing Number?

What is First Security Bank Of Deer Lodge's SWIFT code?

Products

Does First Security Bank Of Deer Lodge offer mortgages?

Compare mortgage rates here.

Does First Security Bank Of Deer Lodge offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Security Bank Of Deer Lodge offer personal loans?

Compare personal loan rates here.

Does First Security Bank Of Deer Lodge offer student loans?

Will First Security Bank Of Deer Lodge cash a check?

Will First Security Bank Of Deer Lodge redeem a savings bond?

Does First Security Bank Of Deer Lodge cash savings bonds?

Will First Security Bank Of Deer Lodge cash money orders?

Can First Security Bank Of Deer Lodge issue a money order?

Does First Security Bank Of Deer Lodge do currency exchange?

Background on The Bank

Who owns First Security Bank Of Deer Lodge?

How long has First Security Bank Of Deer Lodge been around?

Can First Security Bank Of Deer Lodge transfer to other banks?

Does First Security Bank Of Deer Lodge have quick pay?

Does First Security Bank Of Deer Lodge accept rolled coins?

Will First Security Bank Of Deer Lodge accept loose change?

Where is First Security Bank Of Deer Lodge headquarters?

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