Davidson Trust Co.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Common equity Tier 1 ratio dropped 37.84 percentage points in Q2 2026, from 196.92% to 159.08%. It was the largest change from Q1 2026 among the key lines here. Davidson Trust Co. has the highest CET1 ratio of the 21 banks headquartered in Montana, 159.08% as of Q2 2026. Davidson Trust Co.'s CET1 ratio of 159.08% is well above the 19.96% median for banks in the < $100M asset tier, a gap of 139.12 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 159.08% |
| Tier 1 risk-based capital ratio | 159.08% |
| Total risk-based capital ratio | 159.08% |
| Tier 1 leverage ratio | 75.93% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $9.9M |
| Tier 1 capital | $9.9M |
| Total risk-based capital | $9.9M |
| Total equity capital | $9.9M |
| Risk-weighted assets | $6.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 74.82% |
| Tangible equity to tangible assets | 74.82% |
| Equity capital to average assets | 75.93% |
| Internal capital growth rate | -1.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10K |
| Common stock surplus | $4.0M |
| Retained earnings | $5.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 174.74% | 174.74% | 174.74% | 78.60% | $5.0M |
| Q4 2023 | 224.44% | 224.44% | 224.44% | 70.91% | $3.6M |
| Q1 2024 | 250.22% | 250.22% | 250.22% | 75.96% | $3.4M |
| Q2 2024 | 195.89% | 195.89% | 195.89% | 81.62% | $4.5M |
| Q3 2024 | 173.13% | 173.13% | 173.13% | 79.15% | $5.4M |
| Q4 2024 | 196.84% | 196.84% | 196.84% | 71.36% | $4.5M |
| Q1 2025 | 197.19% | 197.19% | 197.19% | 80.12% | $4.7M |
| Q2 2025 | 168.90% | 168.90% | 168.90% | 80.61% | $5.7M |
| Q3 2025 | 158.38% | 158.38% | 158.38% | 77.27% | $6.4M |
| Q4 2025 | 183.63% | 183.63% | 183.63% | 70.14% | $5.2M |
| Q1 2026 | 196.92% | 196.92% | 196.92% | 79.79% | $5.0M |
| Q2 2026 | 159.08% | 159.08% | 159.08% | 75.93% | $6.2M |
Davidson Trust Co. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Davidson Trust Co., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Davidson Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35510) · FFIEC NIC profile (RSSD 644954)