Davidson Trust Co.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Return on assets dropped 9.84 percentage points in Q2 2026, from 8.55% to -1.29%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Davidson Trust Co. is 2nd from the bottom among 35 Montana banks, -1.29% (Q2 2026). Davidson Trust Co.'s return on assets of -1.29% is well below the 1.00% median for banks in the < $100M asset tier, a gap of 2.29 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 159.08% |
| Tier 1 risk-based capital ratio | 159.08% |
| Total risk-based capital ratio | 159.08% |
| Tier 1 leverage ratio | 75.93% |
| Equity capital to assets | 74.82% |
| Tangible equity to tangible assets | 74.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.29% |
| Return on equity | -1.70% |
| Net interest margin | 3.50% |
| Efficiency ratio | 100.21% |
| Yield on earning assets | 3.50% |
| Cost of funds | 0.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 3.79% |
| Securities to assets | 87.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 174.74% | 174.74% | 174.74% | 78.60% | 13.66% |
| Q4 2023 | 224.44% | 224.44% | 224.44% | 70.91% | 11.35% |
| Q1 2024 | 250.22% | 250.22% | 250.22% | 75.96% | 12.31% |
| Q2 2024 | 195.89% | 195.89% | 195.89% | 81.62% | 11.77% |
| Q3 2024 | 173.13% | 173.13% | 173.13% | 79.15% | 9.90% |
| Q4 2024 | 196.84% | 196.84% | 196.84% | 71.36% | 14.26% |
| Q1 2025 | 197.19% | 197.19% | 197.19% | 80.12% | 13.86% |
| Q2 2025 | 168.90% | 168.90% | 168.90% | 80.61% | 9.19% |
| Q3 2025 | 158.38% | 158.38% | 158.38% | 77.27% | 13.64% |
| Q4 2025 | 183.63% | 183.63% | 183.63% | 70.14% | 9.92% |
| Q1 2026 | 196.92% | 196.92% | 196.92% | 79.79% | 8.55% |
| Q2 2026 | 159.08% | 159.08% | 159.08% | 75.93% | -1.29% |
Davidson Trust Co. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Davidson Trust Co., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)