Total Assets
$13M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Davidson Trust Co. — FDIC Bank Health Profile
Great Falls, Montana · Est. 2001. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) Savings bank FDIC Cert #35510 San Francisco Region
B
Health grade
Good
Score: 65/100
Basel III capital ratios — Davidson Trust Co.
Total Deposits
$500K
Customer-funded liabilities
Net Loans
—
Outstanding loan book
Net Income
$1M
Bottom-line earnings
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
183.63%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$10M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
12.09%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
15.41%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
85.03%
Income & Expense Breakdown
$404K
Interest Income
$13M
Non-Interest Income
$11M
Non-Interest Expense
FDIC Deposit Insurance
Davidson Trust Co. is FDIC-insured (Certificate #35510). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $13M in total assets and $500K in customer deposits, with — deployed as loans. It operates as a Nationally chartered (OCC) (Savings bank) within the FDIC San Francisco region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Davidson Trust Co. reports a Tier 1 Capital Ratio of 183.63% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $10M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 12.09% and a Return on Equity of 15.41%, with an Efficiency Ratio of 85.03% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of B (65/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Davidson Trust Co. is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Montana by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Davidson Trust Co. (FDIC Cert #35510) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Bank Kalispell | $32.0B | C | 0.90% |
| First Interstate Bank Billings | $26.6B | B | 1.20% |
| Stockman Bank of Montana Miles City | $7.6B | B | 1.87% |
| Opportunity Bank of Montana Helena | $2.1B | C | 0.83% |
| The Yellowstone Bank Laurel | $1.4B | D | 2.85% |
| Independence Bank Havre | $1.3B | A | 1.57% |
| TrailWest Bank Lolo | $1.1B | B | 1.88% |
| Bank of Bridger, National Association Bridger | $799M | C | 0.72% |
Frequently Asked Questions
What is Davidson Trust Co.'s health grade? ▼
Davidson Trust Co. receives a health grade of B (65/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Davidson Trust Co.? ▼
Davidson Trust Co. holds $13M in total assets and $500K in deposits. It is headquartered in Great Falls, Montana.
Is my money safe at Davidson Trust Co.? ▼
Yes. Davidson Trust Co. is FDIC-insured (Certificate #35510). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Davidson Trust Co.'s Tier 1 Capital Ratio? ▼
Davidson Trust Co. has a Tier 1 Capital Ratio of 183.63%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Davidson Trust Co.? ▼
Davidson Trust Co. has an Efficiency Ratio of 85.03%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.