PackageTrendsPeer
Letter portraitLegal landscape

Davis Trust Company

Elkins, WV · Cert 2453 · Davis Trust Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

24

Q2 2024Q2 2026peer median (50)

Asset Quality

27

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

22

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Davis Trust Company

Elkins, WV · Cert 2453 · Davis Trust Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$274.9MAssets
$224.3MLoans
$204.2MDeposits
$18.5MEquity
Loan mix
83%RE $182.6M13%C&I $28.7M4%Consumer $8.4MQ3 2024Q2 2026
Deposit mix
59%Interest-bearing $121.4M41%Noninterest $82.8MQ3 2024Q2 2026

Return on Assets (YTD, annualized)

0.57%-14 bps YoY

Net Interest Margin (YTD, annualized)

3.41%-7 bps YoY

Efficiency Ratio (YTD, annualized)

77.19%+739 bps YoY

Tier 1 Leverage Ratio

8.47%-26 bps YoY

NIM

5.09%Q2 ’245.20%Q2 ’255.38%Q2 ’26+0%-2%

Non-interest income vs. expense

2.76%Q2 ’242.72%Q2 ’252.89%Q2 ’26-2%+11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.88%0.92%0.54%0.71%0.87%0.88%0.35%0.57%-14 bps
Net Interest Margin3.49%3.53%3.49%3.48%3.56%3.60%3.05%3.41%-7 bps
Non-Interest Burden2.36%2.25%2.28%2.30%2.23%2.23%2.51%2.54%+25 bps
Loan Growth (YoY)3.33%2.65%4.85%10.03%12.09%12.21%13.02%9.60%-43 bps
Nonperforming Loans / Loans0.01%0.01%0.08%0.83%0.00%0.66%1.42%0.66%-17 bps
Allowance / Loans0.96%0.96%0.98%0.94%0.94%0.73%0.76%0.72%-22 bps
Tier 1 Leverage Ratio8.71%8.73%8.70%8.73%8.97%8.90%8.34%8.47%-26 bps
Equity / Assets6.63%6.47%6.63%6.76%6.67%6.71%6.66%6.73%-3 bps
Liquid Assets / Assets8.60%6.78%7.98%6.02%9.70%7.14%8.05%8.73%+271 bps

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Davis Trust Company

Elkins, WV · Cert 2453 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Davis Trust Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$274.9MAssets
$224.3MLoans
$204.2MDeposits
$18.5MEquity

Return on Assets

0.56%

Rank 621 of 746

Net Interest Margin

3.41%

Rank 483 of 746

Efficiency Ratio

77.19%

Rank 582 of 746

Equity / Assets

6.73%

Rank 709 of 746

Non-interest income vs. expense

$0.9M$7.8MINCOMEEXPENSE
Unfavorable gap of $6.9M · efficiency ratio beats 22% of banks under $1B in assets operating in a single state
Bank 77.19%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets0.56%0.72%1.06%1.45%Beats 17%621 / 746
Net Interest Margin3.41%3.17%3.68%4.16%Beats 35%483 / 746
Nonperforming Loans / Loans0.66%0.09%0.42%1.07%Beats 39%451 / 743
Tier 1 Capital Ratio11.98%11.55%13.75%17.60%Beats 31%513 / 746
Equity / Assets6.73%8.90%10.51%13.06%Beats 5%709 / 746
Loans / Assets81.60%53.60%66.97%76.08%89th pctl83 / 746