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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.87% | 0.88% | 0.35% | 0.57% | -14 bps | |
| Return on Equity | 10.70% | 13.15% | 13.18% | 5.30% | 8.52% | -218 bps | |
| Net Interest Margin | 3.48% | 3.56% | 3.60% | 3.05% | 3.41% | -7 bps | |
| Efficiency Ratio | 69.80% | 67.18% | 66.33% | 84.00% | 77.19% | +739 bps | |
| Non-Interest Burden | 2.30% | 2.23% | 2.23% | 2.51% | 2.54% | +25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.88% | 11.01% | 10.02% | 11.03% | 11.22% | +734 bps | |
| Loan Growth (YoY) | 10.03% | 12.09% | 12.21% | 13.02% | 9.60% | -43 bps | |
| Deposit Growth (YoY) | 4.02% | 13.70% | 11.18% | 12.78% | 10.31% | +629 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.83% | 0.00% | 0.66% | 1.42% | 0.66% | -17 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | 0.32% | 0.00% | 0.17% | +12 bps | |
| Allowance / Loans | 0.94% | 0.94% | 0.73% | 0.76% | 0.72% | -22 bps | |
| Allowance Coverage of NPLs | 1.1x | 393.4x | 1.1x | 0.5x | 1.1x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.73% | 8.97% | 8.90% | 8.34% | 8.47% | -26 bps | |
| Total Risk-Based Capital | 13.17% | 13.63% | 13.17% | 12.97% | 12.83% | -35 bps | |
| Equity / Assets | 6.76% | 6.67% | 6.71% | 6.66% | 6.73% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 110.55% | 103.28% | 106.34% | 104.11% | 109.84% | -71 bps | |
| Liquid Assets / Assets | 6.02% | 9.70% | 7.14% | 8.05% | 8.73% | +271 bps | |
| CRE / Total Capital | n/a | 219% | 215% | 210% | n/a | n/a | |