Davidson Trust Co.
Great Falls, Montana, Cascade County
$13M in total assets, the 4,290th largest of 4,309 US banks and 35th of 35 headquartered in Montana.
- FDIC certificate
- 35510
- Established
- 2001
- Owned by
- No holding company
- Primary regulator
- OCC
At a glance
Compared with 580 US banks with under $100 million in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $13M | 3% | $62M | |
| Loans | $0K | 5% | $31M | |
| Deposits | $500K | 7% | $51M | |
| Return on assets | 7.95% | 95% | 0.96% | |
| Net interest margin | 3.64% | 36% | 3.85% | |
| Efficiency ratio | 95.5% | 86% | 70.8% | |
| Equity to assets | 74.82% | 92% | 12.56% | |
| Loans to deposits | 0% | 2% | 67% |
Growth
Total assets grew 6.4% a year over the last 5 years and 7.6% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2001 | (unknown, CERT 90548) , MT | n/a |
Where they operate
14 branches in 13 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Cascade County, MT | $500K | 0.0% | 11 of 11 |
| Ada County, ID | $0K | 0.0% | 22 of 23 |
| Yellowstone County, MT | $0K | 0.0% | 12 of 12 |
| New Hanover County, NC | $0K | 0.0% | 21 of 22 |
| Douglas County, NE | $0K | 0.0% | 43 of 43 |
| Lancaster County, NE | $0K | 0.0% | 31 of 31 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 6 branches since 2016 (8 to 14, +75.0%). 9 opened, 0 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2017 | Closed Billings | 0 | 1 | −1 | 7 |
| 2018 | Opened LincolnClosed Spokane | 1 | 1 | 0 | 7 |
| 2020 | Opened MedfordClosed Missoula | 1 | 1 | 0 | 7 |
| 2021 | Opened Omaha | 1 | 0 | +1 | 8 |
| 2023 | Opened Billings and Boise | 2 | 0 | +2 | 10 |
| 2024 | Opened 3 in 3 states | 3 | 0 | +3 | 13 |
| 2025 | Opened Richmond | 1 | 0 | +1 | 14 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 100% | 40% | |
| Noninterest-bearing | 0% | 24% | |
| Time deposits | 0% | 36% |
Brokered deposits are 0.0% of deposits (peers 1.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | n/a | 0.46% |
| Net charge-offs, annualized | n/a | 0.00% |
| Reserves to loans | n/a | 1.24% |
| Leverage ratio | 75.93% | 13.04% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Montana
Largest competitors in Cascade County, MT
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/davidson