Safest Banks in Montana 2026
Montana has 33 FDIC-insured banks with an average Bank Health Score of 69/100 (B). The safest bank is Davidson Trust Co with a score of 100/100.
Data from FDIC Q2 2024
Top 20 of 33 Banks in Montana
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Davidson Trust Co | Great Falls | A | 100 | 195.89% | 0.00% |
| 2 | Bank of Montana | Missoula | A | 100 | 31.00% | 0.00% |
| 3 | Manhattan Bank | Manhattan | A | 96 | 14.92% | 0.04% |
| 4 | Bank of Bridger NA | Bridger | A | 92 | 18.68% | 0.41% |
| 5 | Independence Bank | Havre | A | 90 | 14.68% | 0.12% |
| 6 | Stockman Bank of Montana | Miles City | A | 89 | 12.44% | 0.23% |
| 7 | Glacier Bank | Kalispell | A | 88 | 12.69% | 0.10% |
| 8 | Madison Valley Bank | Ennis | A | 87 | 13.33% | 0.70% |
| 9 | First Montana Bank INC | Missoula | A | 87 | 12.86% | 0.35% |
| 10 | First Interstate Bank | Billings | A | 81 | 11.45% | 1.03% |
| 11 | Bank of the Rockies | Helena | B | 79 | 11.45% | 0.22% |
| 12 | Valley Bank of Ronan | Ronan | B | 78 | 10.73% | 0.36% |
| 13 | Ascent Bank | Helena | B | 76 | 12.77% | 0.26% |
| 14 | Stockmens Bank | Cascade | B | 76 | 32.81% | 3.28% |
| 15 | Trailwest Bank | Lolo | B | 73 | 11.64% | 0.16% |
| 16 | Bank of Bozeman | Bozeman | B | 73 | 11.92% | 0.65% |
| 17 | Opportunity Bank of Montana | Helena | B | 70 | 12.09% | 0.33% |
| 18 | First Security Bk of Roundup | Roundup | B | 69 | 25.82% | 6.41% |
| 19 | Eagle Bank | Polson | B | 65 | 0.00% | 0.00% |
| 20 | Yellowstone Bank | Laurel | C | 64 | 0.00% | 0.15% |
Bank Health Scores for Montana are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Davidson Trust Co in Great Falls is currently the safest bank in Montana with a score of 100/100 (Grade A).
Montana has 33 FDIC-insured banks with a combined $75.0B in total assets. The average Bank Health Score across the state is 69/100.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).