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
Favorable gap of $0.3M · efficiency ratio beats 9% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.36% | 0.60% | 1.01% | 1.45% | Beats 94% | 39 / 629 | | |
| Return on Equity | 4.49% | 5.38% | 9.30% | 13.28% | Beats 20% | 501 / 629 | | |
| Net Interest Margin | 3.14% | 3.03% | 3.54% | 4.05% | Beats 30% | 441 / 629 | | |
| Efficiency Ratio | 95.49% | 58.35% | 67.79% | 79.08% | Beats 9% | 575 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 159.08% | 11.24% | 13.84% | 18.77% | Beats 96% | 23 / 629 | | |
| Total Risk-Based Capital Ratio | 159.08% | 11.58% | 14.43% | 19.66% | Beats 96% | 23 / 629 | | |
| Equity / Assets | 74.82% | 9.09% | 10.65% | 13.80% | Beats 95% | 34 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 67.24% | 80.90% | 93.48% | 0th pctl | 582 / 594 | | |
| Loans / Assets | 0.00% | 53.31% | 67.71% | 78.15% | 0th pctl | 582 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |