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
33 Montana banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Montana's 33 FDIC-insured banks hold a combined $75.0B in assets. Their average Bank Health Score of 69/100 sits 1.0 points in line with the national average of 70/100. Across the state, 58% of banks earn an A or B grade for financial health, while 21% fall to a D or F.
The largest bank headquartered in Montana is First Interstate Bank with $30.2B in assets and a Bank Health Score of 81/100. The strongest by score is Davidson Trust Co in Great Falls (100/100, Tier 1 capital 195.89%). The weakest is Peoples Bank of Deer Lodge at 26/100, dragged down by an NPL ratio of 3.12%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Montana
Davidson Trust Co
Great Falls, MT
Montana's top-rated bank, with a Tier 1 capital ratio of 195.89% — well above the federal "well-capitalized" threshold of 8%. Holds $11M in assets.
Bank of Montana
Missoula, MT
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.00% with $297M in total assets.
Manhattan Bank
Manhattan, MT
Third in the rankings on the Bank Health Score. Liquidity ratio of 32.08% and ROA of 1.04%.
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). It posts a Tier 1 capital ratio of 195.89% and a nonperforming loan ratio of 0.00%.
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 (Grade B).
Montana's average Bank Health Score of 69/100 is 1.0 points in line with the national average of 70/100. 58% of banks in Montana earn an A or B grade, compared with the national average grade of B.
Of 33 FDIC-insured banks headquartered in Montana, 10 earn an A, 9 a B, 7 a C, 6 a D, and 1 an F. The most common grade is B.
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. Every score uses the latest FDIC Call Report data.
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%).