Elkins, WV · Cert 2453 · Davis Trust Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
24
Asset Quality
27
Profitability
29
Liquidity
0
Efficiency
22
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.
Elkins, WV · Cert 2453 · Davis Trust Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.92% | 0.54% | 0.71% | 0.87% | 0.88% | 0.35% | 0.57% | -14 bps | |
| Return on Equity | 14.17% | 14.69% | 8.22% | 10.70% | 13.15% | 13.18% | 5.30% | 8.52% | -218 bps | |
| Net Interest Margin | 3.49% | 3.53% | 3.49% | 3.48% | 3.56% | 3.60% | 3.05% | 3.41% | -7 bps | |
| Efficiency Ratio | 71.13% | 68.34% | 68.44% | 69.80% | 67.18% | 66.33% | 84.00% | 77.19% | +739 bps | |
| Non-Interest Burden | 2.36% | 2.25% | 2.28% | 2.30% | 2.23% | 2.23% | 2.51% | 2.54% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.23% | -0.03% | 2.48% | 3.88% | 11.01% | 10.02% | 11.03% | 11.22% | +734 bps | |
| Loan Growth (YoY) | 3.33% | 2.65% | 4.85% | 10.03% | 12.09% | 12.21% | 13.02% | 9.60% | -43 bps | |
| Deposit Growth (YoY) | 6.05% | 3.44% | 7.25% | 4.02% | 13.70% | 11.18% | 12.78% | 10.31% | +629 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.08% | 0.83% | 0.00% | 0.66% | 1.42% | 0.66% | -17 bps | |
| Net Charge-Offs / Loans | 0.32% | 0.24% | 0.00% | 0.05% | 0.03% | 0.32% | 0.00% | 0.17% | +12 bps | |
| Allowance / Loans | 0.96% | 0.96% | 0.98% | 0.94% | 0.94% | 0.73% | 0.76% | 0.72% | -22 bps | |
| Allowance Coverage of NPLs | 89.7x | 108.6x | 12.3x | 1.1x | 393.4x | 1.1x | 0.5x | 1.1x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.71% | 8.73% | 8.70% | 8.73% | 8.97% | 8.90% | 8.34% | 8.47% | -26 bps | |
| Total Risk-Based Capital | 13.48% | 13.11% | 13.30% | 13.17% | 13.63% | 13.17% | 12.97% | 12.83% | -35 bps | |
| Equity / Assets | 6.63% | 6.47% | 6.63% | 6.76% | 6.67% | 6.71% | 6.66% | 6.73% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.76% | 105.37% | 103.88% | 110.55% | 103.28% | 106.34% | 104.11% | 109.84% | -71 bps | |
| Liquid Assets / Assets | 8.60% | 6.78% | 7.98% | 6.02% | 9.70% | 7.14% | 8.05% | 8.73% | +271 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 219% | 215% | 210% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.56% | 0.72% | 1.06% | 1.45% | Beats 17% | 621 / 746 | ||
| Return on Equity | 8.32% | 6.74% | 10.51% | 13.63% | Beats 36% | 480 / 746 | ||
| Net Interest Margin | 3.41% | 3.17% | 3.68% | 4.16% | Beats 35% | 483 / 746 | ||
| Efficiency Ratio | 77.19% | 55.74% | 64.58% | 75.47% | Beats 22% | 582 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.66% | 0.09% | 0.42% | 1.07% | Beats 39% | 451 / 743 | ||
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.05% | Beats 14% | 640 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.98% | 11.55% | 13.75% | 17.60% | Beats 31% | 513 / 746 | ||
| Total Risk-Based Capital Ratio | 12.83% | 11.71% | 14.33% | 18.43% | Beats 35% | 488 / 746 | ||
| Equity / Assets | 6.73% | 8.90% | 10.51% | 13.06% | Beats 5% | 709 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 109.84% | 61.31% | 78.27% | 90.78% | 97th pctl | 25 / 746 | ||
| Loans / Assets | 81.60% | 53.60% | 66.97% | 76.08% | 89th pctl | 83 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||