Total Assets
$104M
Total balance-sheet footings
FDIC Cert #18164 · Jordan, Montana · Est. 1960
Garfield County Bank - FDIC Bank Health Profile
A community-scale look at Garfield County Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $104M
- Total assets
- A
- Health grade · Excellent
- 1.28%
- Return on assets
- 15.9%
- Tier 1 capital
Data updated July 2026
The verdict
Garfield County Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 15.86% Tier 1, profitable at 1.28% ROA, efficient (59% cost ratio).
- #3,708
- largest of 4,313 FDIC banks by assets
- 14th
- percentile by asset size, nationally
- 15.86%
- Tier 1 ratio - above the 10% well-capitalized line
- 63rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Garfield County Bank's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Garfield County Bank's composite health score
Tier 1 Capital Ratio (15.86%) 40/40
Return on Assets (ROA) (1.28%) 20/25
Texas Ratio (16.09%) 10/20
Efficiency Ratio (58.51%) 12/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$87M
Customer-funded liabilities
Net Loans
$48M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Garfield County Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Garfield County Bank's score of 82/100 falls in the highlighted band.
Garfield County Bank'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). Garfield County Bank's $104M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.86% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.86%
Texas Ratio
16.09%
Equity Capital
$16M
Profitability metrics
Return on Assets (ROA)
63rd percentile nationally
1.28%
Return on Equity (ROE)
8.04%
Efficiency Ratio
58.51%
What the numbers say about Garfield County Bank
Garfield County Bank is an FDIC-insured institution (Certificate #18164) headquartered in Jordan, Montana, established in 1960. It holds $104M in total assets - 3,708th of 4,313 FDIC-insured banks, $87M in customer deposits, and $48M in net loans. Capital-wise, the Tier 1 ratio sits at 15.86%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 16.09%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (82 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Garfield County Bank is a community-scale institution -- 29th 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
$5M
Interest Income
$222K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Garfield County Bank reports a Texas Ratio of 16.09% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
16.09% - 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) Garfield County Bank (FDIC Cert #18164) - 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 Garfield County Bank's health grade?▼
Garfield County Bank receives a health grade of A (82/100) 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 Garfield County Bank?▼
Garfield County Bank holds $104M in total assets and $87M in deposits, ranking 3,708th of 4,313 FDIC-insured banks by asset size. It is headquartered in Jordan, Montana.
Is my money safe at Garfield County Bank?▼
Yes, deposits at Garfield County Bank (Certificate #18164) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Garfield County Bank's Tier 1 Capital Ratio?▼
Garfield County Bank has a Tier 1 Capital Ratio of 15.86%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Garfield County Bank?▼
Garfield County Bank has a Texas Ratio of 16.09%. 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 Garfield County Bank?▼
Garfield County Bank has an Efficiency Ratio of 58.51%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Garfield County Bank's profile as a depositor or analyst.
- Garfield County Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Garfield County Bank 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.