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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 35510 · MT A · 85/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-RICH

  • GRADE-A A (85/100)
  • MID-PACK #1405/4307
  • PHOTO-FINISH Citizens Bank of Cum… · KY
  • TIER1-WELL 183.6% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 12.09% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-RICH 8/9 fields

Nearest health peer outside Montana: Citizens Bank of Cumberland County, Inc., KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Davidson Trust Co.

Lowest and highest poles plus nearest scored peers outside Montana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank of Cum… · KY ·…85/100Country Trust Bank · IL · ne…85/100Davidson Trust Co. · MT · th…85/100MassMutual Private W… · CT ·…85/100Thrivent Trust Company · WI …85/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Davidson Trust Co. · July 2026

Plate reading for Davidson Trust Co. where failures stay rare

Davidson Trust Co. (FDIC Cert #35510) carries a PlainBankData health grade of A at 85/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,405 of 4,307. Tier 1 capital prints at 183.63%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 12.09%. Balance-sheet scale is $13M, 4,299th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Bank of Cumberland County, Inc. (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Davidson Trust Co.

Zero FAILURE resolutions in Montana since 2000

Davidson Trust Co. is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • Q BANK FORT BENTON, MT 1998 → HERITAGE STATE BANK
  • FIRST SECURITY BANK OF ANACONDA ANACONDA, MT 1992 → BANK OF MONTANA ANACONDA
  • TREASURE STATE BANK GLASGOW, MT 1989 → VALLEY BANK OF GLASGOW

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Montana banks.

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.

0/100100/100National avg77/10085/100
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 Assets

$13M

Total balance-sheet footings

Total Deposits

$500K

Customer-funded liabilities

Net Loans

-

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 30% 60% 90% 120% 150% 180% 210% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 182.23% 183.63% 185.03%
Basel III capital ratios - Davidson Trust Co.

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.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

85 Top 33% higher than 67% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Davidson Trust Co. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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: Davidson Trust Co.

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

What these ratios mean →

Earnings posture at Davidson Trust Co.

Return on Assets (ROA)
100th percentile nationally
12.09%
Return on Equity (ROE)
15.41%
Efficiency Ratio
85.03%

What these mean →

Income & expense at Davidson Trust Co.

$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.

FDIC Failed Bank List → View Davidson Trust Co. on FDIC BankFind →

Top banks in Montana by total assets

Largest banks headquartered in Montana
  1. 1
    Glacier Bank $32.0B

    Kalispell, MT · Grade B

  2. 2
    First Interstate Bank $26.6B

    Billings, MT · Grade A

  3. 3
    Stockman Bank of Montana $7.6B

    Miles City, MT · Grade A

  4. 4
    Opportunity Bank of Montana $2.1B

    Helena, MT · Grade B

  5. 5
    The Yellowstone Bank $1.4B

    Laurel, MT · Grade A

Top 5 banks in Montana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($13M here), outside Montana so the neighborhood is not state containment.

Liberty Bank, Inc. $13M · UT Peoples State Bank $14M · OK Independence Bank $14M · RI The Walton State Bank $11M · KS

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.

Davidson Trust Co. Call Report profile · FDIC Failed Bank List · Montana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Montana

All Montana banks →
BankAssetsGradeROA
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%