This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Butte, MT
Health score
61.2
Total assets
$69.4M
Bank
Deer Lodge, MT
Health score
83.1
Total assets
$50.8M
Answer first
First Citizens Bank of Butte leads on capitalization and lending quality; Peoples Bank of Deer Lodge leads on financial health and profitability and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Peoples Bank of Deer Lodge
Higher TFS health score
Capitalization
First Citizens Bank of Butte
Higher comparable capital ratio
Profitability
Peoples Bank of Deer Lodge
Higher return on assets
Lending quality
First Citizens Bank of Butte
Lower problem-loan measure
Growth
Peoples Bank of Deer Lodge
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | First Citizens Bank of Butte | Peoples Bank of Deer Lodge |
|---|---|---|
| TFS health score | 61.2/100 | 83.1/100Leads |
| Total assets | $69.4M | $50.8M |
| Total deposits / shares | $49.7M | $45.8M |
| Tier 1 capital ratio | 13.48%Leads | 10.50% |
| Return on assets | 0.91% | 2.07%Leads |
| Return on equity | 7.65% | 22.26% |
First Citizens Bank of Butte
1 branches
Peoples Bank of Deer Lodge
1 branches
Both institutions report branches in 1 state: MT.
First Citizens Bank of Butte
Unavailable
Peoples Bank of Deer Lodge
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
First Citizens Bank of Butte
0 in TFS registry
Peoples Bank of Deer Lodge
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | First Citizens Bank of Butte score | First Citizens Bank of Butte ROA | Peoples Bank of Deer Lodge score | Peoples Bank of Deer Lodge ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.14% | — | 1.27% |
| 2024-Q4 | — | 1.20% | — | 1.46% |
| 2025-Q1 | — | 0.91% | — | 2.03% |
| 2025-Q2 | — | 0.90% | — | 2.09% |
| 2025-Q3 | — | 0.91% | — | 1.97% |
| 2025-Q4 | — | — | — | 1.86% |
| 2026-Q1 | — |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.00%Leads | 2.01% |
| Net charge-offs | 0.00%Leads | 0.11% |
| Efficiency ratio | 77.45% | 52.85%Leads |
| Loan-to-deposit ratio | 70.83% | 81.10% |
| Asset growth (YoY) | -13.54% | 11.82%Leads |
| Deposit / share growth (YoY) | -7.76% | 11.89%Leads |
| Branches | 1 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| — |
| 80.8/100 |
| 2.07% |
| 2026-Q2 | — | — | 83.1/100 | 2.07% |