Total Assets
$13M
Total balance-sheet footings
FDIC Cert #35510 · Great Falls, Montana · Est. 2001
Davidson Trust Co. - FDIC Bank Health Profile
A community-scale look at Davidson Trust Co.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $13M
- Total assets
- A
- Health grade · Excellent
- 12.09%
- Return on assets
- 183.6%
- Tier 1 capital
Data updated July 2026
The verdict
Davidson Trust Co. earns a PlainBankData health grade of A (85/100), with well-capitalized at 183.63% Tier 1, profitable at 12.09% ROA, 85% efficiency ratio.
- #4,299
- largest of 4,313 FDIC banks by assets
- 0th
- percentile by asset size, nationally
- 183.63%
- Tier 1 ratio - above the 10% well-capitalized line
- 100th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Davidson Trust Co.'s 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Davidson Trust Co.'s composite health score
Tier 1 Capital Ratio (183.63%) 40/40
Return on Assets (ROA) (12.09%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (85.03%) 0/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$500K
Customer-funded liabilities
Net Loans
-
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Davidson Trust Co. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Davidson Trust Co.'s score of 85/100 falls in the highlighted band.
Davidson Trust Co.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Davidson Trust Co.'s $13M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
183.63% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
183.63%
Texas Ratio
0.00%
Equity Capital
$10M
Profitability metrics
Return on Assets (ROA)
100th percentile nationally
12.09%
Return on Equity (ROE)
15.41%
Efficiency Ratio
85.03%
What the numbers say about Davidson Trust Co.
Davidson Trust Co. is an FDIC-insured institution (Certificate #35510) headquartered in Great Falls, Montana, established in 2001. It holds $13M in total assets - 4,299th of 4,313 FDIC-insured banks, $500K in customer deposits, and - in net loans. Its capital position: a Tier 1 ratio of 183.63%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (85 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Davidson Trust Co. is a community-scale institution -- 36th of 36 FDIC-insured banks headquartered in Montana by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$404K
Interest Income
$13M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Davidson Trust Co. reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Montana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Davidson Trust Co. (FDIC Cert #35510) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Montana
All Montana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Glacier BankKalispell | $32.0B | B | 0.90% |
| First Interstate BankBillings | $26.6B | A | 1.20% |
| Stockman Bank of MontanaMiles City | $7.6B | A | 1.87% |
| Opportunity Bank of MontanaHelena | $2.1B | B | 0.83% |
| The Yellowstone BankLaurel | $1.4B | A | 2.85% |
| Independence BankHavre | $1.3B | A | 1.57% |
| TrailWest BankLolo | $1.1B | A | 1.88% |
| Bank of Bridger, National AssociationBridger | $799M | A | 0.72% |
Frequently asked questions
What is Davidson Trust Co.'s health grade?▼
Davidson Trust Co. receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Davidson Trust Co.?▼
Davidson Trust Co. holds $13M in total assets and $500K in deposits, ranking 4,299th of 4,313 FDIC-insured banks by asset size. It is headquartered in Great Falls, Montana.
Is my money safe at Davidson Trust Co.?▼
Yes, deposits at Davidson Trust Co. (Certificate #35510) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Davidson Trust Co.'s Tier 1 Capital Ratio?▼
Davidson Trust Co. has a Tier 1 Capital Ratio of 183.63%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Davidson Trust Co.?▼
Davidson Trust Co. has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Davidson Trust Co.?▼
Davidson Trust Co. has an Efficiency Ratio of 85.03%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Davidson Trust Co.'s profile as a depositor or analyst.
- Davidson Trust Co.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Davidson Trust Co. against other Montana banks before moving funds. Montana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.