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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 18164 · MT A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1824/4307
  • PHOTO-FINISH TD Bank, National As… · DE
  • TIER1-WELL 15.9% Tier 1
  • TEXAS-HEALTHY 16.1% Texas
  • ROA-STRONG 1.28% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Montana: TD Bank, National Association, DE (±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 Garfield County Bank

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

Morgan Stanley Bank,… · UT ·…100/100Albany Bank and Trus… · IL ·…82/100City National Bank · CA · ne…82/100Garfield County Bank · MT · …82/100TD Bank, National As… · DE ·…82/100The Bank of Tioga · ND · near82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Garfield County Bank · July 2026

Plate reading for Garfield County Bank where failures stay rare

Garfield County Bank (FDIC Cert #18164) carries a PlainBankData health grade of A at 82/100, 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 #1,824 of 4,307. Tier 1 capital prints at 15.86%, clearing the 10% well-capitalized line. The Texas Ratio is 16.09%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.28%. Balance-sheet scale is $104M, 3,708th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is TD Bank, National Association (DE), 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 Garfield County Bank

Zero FAILURE resolutions in Montana since 2000

Garfield County Bank 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 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.

0/100100/100National avg77/10082/100
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 Assets

$104M

Total balance-sheet footings

Total Deposits

$87M

Customer-funded liabilities

Net Loans

$48M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.46% 15.86% 17.26%
Basel III capital ratios - Garfield County Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 42% higher than 58% 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. Garfield County Bank 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

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: Garfield County Bank

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

What these ratios mean →

Earnings posture at Garfield County Bank

Return on Assets (ROA)
63rd percentile nationally
1.28%
Return on Equity (ROE)
8.04%
Efficiency Ratio
58.51%

What these mean →

Income & expense at Garfield County Bank

$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.

FDIC Failed Bank List → View Garfield County Bank 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 ($104M here), outside Montana so the neighborhood is not state containment.

Legacy Bank $104M · CA The Glen Burnie Mutual Savings Bank $104M · MD Covington County Bank $104M · MS Nashville Savings Bank $104M · IL

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.

Garfield County Bank 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%