Financial-condition comparison

First Citizens Bank of Butte vs First Security Bank of Deer Lodge

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.”

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Bank

First Citizens Bank of Butte

Butte, MT

D-

Health score

61.2

Total assets

$69.4M

View full profileData through 2025-Q3

Bank

First Security Bank of Deer Lodge

Deer Lodge, MT

Health score

79.2

Total assets

$81.1M

View full profileData through 2026-Q2

Answer first

Different strengths, no blanket winner

First Citizens Bank of Butte leads on capitalization; First Security 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

Where each institution leads

Financial health

First Security Bank of Deer Lodge

Higher TFS health score

Capitalization

First Citizens Bank of Butte

Higher comparable capital ratio

Profitability

First Security Bank of Deer Lodge

Higher return on assets

Lending quality

Too close to call

Lower problem-loan measure

Growth

First Security Bank of Deer Lodge

Higher year-over-year asset growth

Same-source detail

Financial metrics

Winner markers appear only where the metric definitions are comparable and both values are available.

Metric	First Citizens Bank of Butte	First Security Bank of Deer Lodge
TFS health score	61.2/100	79.2/100Leads
Total assets	$69.4M	$81.1M
Total deposits / shares	$49.7M	$72.5M
Tier 1 capital ratio	13.48%Leads	10.00%
Return on assets	0.91%	2.37%Leads
Return on equity	7.65%	23.94%

Branch and market overlap

First Citizens Bank of Butte

1 branches

First Security Bank of Deer Lodge

1 branches

Both institutions report branches in 1 state: MT.

CFPB complaint coverage

First Citizens Bank of Butte

Unavailable

First Security 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.

Regulatory-action context

First Citizens Bank of Butte

0 in TFS registry

First Security 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

Health and profitability trend

Quarter	First Citizens Bank of Butte score	First Citizens Bank of Butte ROA	First Security Bank of Deer Lodge score	First Security Bank of Deer Lodge ROA
2024-Q3	—	1.14%	—	2.47%
2024-Q4	—	1.20%	—	2.42%
2025-Q1	—	0.91%	—	2.49%
2025-Q2	—	0.90%	—	2.51%
2025-Q3	—	0.91%	—	2.58%
2025-Q4	—	—	—	2.48%
2026-Q1	—

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First Citizens Bank of Butte

First Security Bank of Deer Lodge

Coverage boundaries

What this does not conclude

• No product-rate, fee, or customer-service winner without product data.
• Complaint comparisons appear only when both institutions have reviewed mappings and the same complete source window.
• Regulatory actions are displayed separately and are not included in category scoring.

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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.