Bank Comparison
Davidson Trust Co. vs First Security Bank of Deer Lodge
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 4
winning metrics across 10 scored rows
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Capital adequacy
| Metric | Davidson Trust Co. | First Security Bank of Deer Lodge |
|---|---|---|
| CET1 Ratio | 159.08% | — |
| Tier 1 Capital Ratio | 159.08% | — |
| Total Capital Ratio | 159.08% | — |
| Tier 1 Leverage Ratio | 75.93% | 10.00% |
| Equity / Assets | 74.82% | 10.37% |
Profitability
| Metric | Davidson Trust Co. | First Security Bank of Deer Lodge |
|---|---|---|
| Return on Assets (ROA) | -1.29% | 1.83% |
| Return on Equity (ROE) | -1.70% | 18.20% |
| Net Interest Margin (NIM) | 3.50% | 4.83% |
| Yield on Earning Assets | 3.50% | 6.59% |
| Cost of Funds | 0.00% | 1.91% |
Asset quality
| Metric | Davidson Trust Co. | First Security Bank of Deer Lodge |
|---|---|---|
| Texas Ratio | 0.00% | 11.05% |
| Non-Performing Loan Ratio | — | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 1.24% |
| Net Charge-Off Ratio | — | 0.00% |
| ACL / Loans | — | 0.97% |
Balance sheet
| Metric | Davidson Trust Co. | First Security Bank of Deer Lodge |
|---|---|---|
| Total Assets | $13.2M | $81.1M |
| Total Deposits | $500K | $72.5M |
| Total Loans | $0 | $70.3M |
| Total Equity | $9.9M | $8.4M |
| Net Income (quarter) | ($42K) | $384K |
Liquidity & funding
| Metric | Davidson Trust Co. | First Security Bank of Deer Lodge |
|---|---|---|
| Loan-to-Deposit Ratio | 0.00% | 96.96% |
| Core Deposit Ratio | 100.00% | 86.09% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Davidson Trust Co. | First Security Bank of Deer Lodge |
|---|---|---|
| Headquarters City | Great Falls | Deer Lodge |
| Headquarters State | MT | MT |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | OCC | FDIC |
| Domestic Branches | 14 | 1 |
| Employees (FTE) | 31 | 12 |
| Established | January 1, 2001 | April 10, 1972 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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