TellerScore

Davidson Trust Co. is a savings bank headquartered in Great Falls, Montana, in business for about 25 years. At the end of Q2 2026 it reported $13.2M in total assets and $500K in deposits, with 14 offices.

Based on its Q2 2026 filing, Davidson Trust Co. scores 94/100, which we describe as very strong. That is higher than 96% of 546 banks with under $100 million in assets. Among 35 banks headquartered in Montana, it ranks 1st. Its strongest component is capital cushion (100/100; 75.93%), and its lowest is funding & liquidity (61/100; 0% loans-to-deposits, 50% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 75.93%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 3.50%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 0.0% · 50.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (94 → 94).

TellerScore
939495Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202494
Q4 202494
Q1 202594
Q2 202594
Q3 202594
Q4 202594
Q1 202694
Q2 202694
Tier 1 leverage ratio
5.00%43.31%81.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202481.62%
Q3 202479.15%
Q4 202471.36%
Q1 202580.12%
Q2 202580.61%
Q3 202577.27%
Q4 202570.14%
Q1 202679.79%
Q2 202675.93%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
3.50%8.90%14.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 202412.66%
Q3 202411.72%
Q4 202412.77%
Q1 202514.29%
Q2 202511.75%
Q3 202512.55%
Q4 202512.09%
Q1 20268.49%
Q2 20263.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$13.2M75.93%0.00%3.50%0.0%
Q1 202694$12.2M79.79%0.00%8.49%0.0%
Q4 202594$12.6M70.14%0.00%12.09%0.0%
Q3 202594$13.2M77.27%0.00%12.55%0.0%
Q2 202594$12.0M80.61%0.00%11.75%0.0%
Q1 202594$11.2M80.12%0.00%14.29%0.0%
Q4 202494$11.2M71.36%0.00%12.77%0.0%
Q3 202494$11.9M79.15%0.00%11.72%0.0%
Q2 202494$10.9M81.62%0.00%12.66%0.0%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio75.93%
96th
Total risk-based capital159.08%
98th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets3.50%
97th
Net interest margin3.64%
36th
Efficiency ratio95.5%
14th
Loans to deposits0.0%
98th
Uninsured deposits50.0%
4th
Loan-loss reserves0.00%
2nd
Texas ratio0.0%
85th

Similar-size banks in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Bank of Deer LodgeBank Deer Lodge, MT62 out of 100, Moderate$50.8M10.5%2.01%vs
First Security Bank of Deer LodgeBank Deer Lodge, MT77 out of 100, Strong$81.1M10.0%0.00%vs
Belt Valley BankBank Belt, MT65 out of 100, Moderate$89.9M14.8%3.85%vs
First Security Bank of RoundupBank Roundup, MT66 out of 100, Moderate$94.5M13.4%5.35%vs

Deposit insurance

Is my money safe at Davidson Trust Co.?

Yes. Davidson Trust Co. is an FDIC-insured institution (FDIC certificate #35510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 50.0% of deposits ($250K) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 75.93%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 159.08% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

Davidson Trust Co. lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Davidson Trust Co.
Type
Savings bank
FDIC certificate #
35510
RSSD ID
644954
Primary regulator
OCC
Established
January 1, 2001
Headquarters
8 3rd St N Ste 200, Great Falls, MT 59401
Employees
31

Quick answers

Davidson Trust Co.: common questions

Is Davidson Trust Co. FDIC insured?

Yes. Davidson Trust Co. is an FDIC-insured institution (FDIC certificate #35510). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Davidson Trust Co.'s TellerScore?

94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Davidson Trust Co. ever failed?

There is no failure record for FDIC certificate #35510 in the FDIC failed bank list.

How many branches does Davidson Trust Co. have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Great Falls

InstitutionScoreAssetsCapitalProblem loansCompare
Independence BankBank Havre, MT84 out of 100, Strong$1.4B13.4%0.46%vs
1st Liberty Federal Credit UnionCredit union Great Falls, MT84 out of 100, Strong$214.2M14.4%0.28%vs
Montana Federal Credit UnionCredit union Great Falls, MT79 out of 100, Strong$361.5M12.5%0.26%vs
Weld Community Credit UnionCredit union Greeley, CO78 out of 100, Strong$109.6M11.3%0.16%vs
Clearwater Federal Credit UnionCredit union Missoula, MT76 out of 100, Strong$1.2B12.8%0.67%vs
Horizon Credit UnionCredit union Spokane Valley, WA75 out of 100, Strong$2.0B13.1%0.27%vs