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Davidson Trust Co.

Great Falls, MT · Cert 35510

State savings bank · OCC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=594 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

96

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

9

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Davidson Trust Co.

Great Falls, MT · Cert 35510

State savings bank · OCC · 14 branches

Q2 2026

$13.2MAssets
$0KLoans
$500KDeposits
$9.9MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ3 2024Q2 2026

Market Position · Great Falls, MT · 2026 SOD (annual) · 0.0% share · #11 of 11 inst. · $0.0B of $2.2B

0.0% Cascade
0.0% King
0.0% Multnomah
0.0% Clark

Executive Summary

  • Earnings: ROA of 3.50%, down 825 bps year over year; NIM at 3.14%.
  • Capital: tier 1 leverage ratio of 75.93%, down 468 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

3.50%-825 bps YoY

Net Interest Margin (YTD, annualized)

3.14%0 bps YoY

Efficiency Ratio (YTD, annualized)

95.49%+1,027 bps YoY

Tier 1 Leverage Ratio

75.93%-468 bps YoY

NIM

3.09%Q2 ’243.13%Q2 ’253.14%Q2 ’26+1%+0%

Non-interest income vs. expense

88.40%Q2 ’2489.06%Q2 ’25107.68%Q2 ’26+9%+84%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets11.72%12.77%14.29%11.75%12.55%12.09%8.49%3.50%-825 bps
Return on Equity14.65%16.01%17.74%14.62%15.83%15.41%10.89%4.55%-1,007 bps
Net Interest Margin2.95%2.93%3.22%3.13%2.96%2.97%3.34%3.14%0 bps
Efficiency Ratio85.19%84.08%83.24%85.22%84.18%85.03%90.31%95.49%+1,027 bps
Non-Interest Burden-11.70%-12.24%-14.62%-12.32%-12.46%-11.38%-7.64%-1.95%+1,037 bps
Growth
Asset Growth (YoY)6.56%7.65%12.44%10.22%10.77%12.94%9.19%10.24%+2 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio79.15%71.36%80.12%80.61%77.27%70.14%79.79%75.93%-468 bps
Total Risk-Based Capital173.13%196.84%197.19%168.90%158.38%183.63%196.92%159.08%-982 bps
Equity / Assets77.62%78.55%82.54%79.97%76.55%75.47%80.55%74.82%-514 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets59.64%65.48%63.36%57.40%55.82%63.10%63.32%56.74%-67 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Davidson Trust Co.

Great Falls, MT · Cert 35510 · Peer group: banks under $1B in assets (n=594-629)

State savings bank · OCC · 14 branches

Q2 2026

$13.2MAssets
$0KLoans
$500KDeposits
$9.9MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets (rank 23 of 629).
  • Widest gap: efficiency ratio trails 91% of banks under $1B in assets (rank 575 of 629).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

3.36%

Rank 39 of 629

Net Interest Margin

3.14%

Rank 441 of 629

Efficiency Ratio

95.49%

Rank 575 of 629

Equity / Assets

74.82%

Rank 34 of 629

Non-interest income vs. expense

$14.3M$14.0MINCOMEEXPENSE
Favorable gap of $0.3M · efficiency ratio beats 9% of banks under $1B in assets
Bank 95.49%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets3.36%0.60%1.01%1.45%Beats 94%39 / 629
Return on Equity4.49%5.38%9.30%13.28%Beats 20%501 / 629
Net Interest Margin3.14%3.03%3.54%4.05%Beats 30%441 / 629
Efficiency Ratio95.49%58.35%67.79%79.08%Beats 9%575 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio159.08%11.24%13.84%18.77%Beats 96%23 / 629
Total Risk-Based Capital Ratio159.08%11.58%14.43%19.66%Beats 96%23 / 629
Equity / Assets74.82%9.09%10.65%13.80%Beats 95%34 / 629
Liquidity & Funding
Loans / Deposits0.00%67.24%80.90%93.48%0th pctl582 / 594
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution