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
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 39% of banks under $1B in assets operating in a single state (rank 451 of 743).
- Widest gap: equity / assets trails 95% of banks under $1B in assets operating in a single state (rank 709 of 746).
- Overall: at or above the peer median on 0 of 9 directional measures.
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
Unfavorable gap of $6.9M · efficiency ratio beats 22% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |