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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

Executive Summary

  • Earnings: ROA of 0.57%, down 14 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.66% of loans (-17 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 8.47%, down 26 bps from a year ago.
  • Funding: loans stand at 109.84% of deposits as of Q2 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
Earnings
Return on Assets0.88%0.92%0.54%0.71%0.87%0.88%0.35%0.57%-14 bps
Return on Equity14.17%14.69%8.22%10.70%13.15%13.18%5.30%8.52%-218 bps
Net Interest Margin3.49%3.53%3.49%3.48%3.56%3.60%3.05%3.41%-7 bps
Efficiency Ratio71.13%68.34%68.44%69.80%67.18%66.33%84.00%77.19%+739 bps
Non-Interest Burden2.36%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 / Loans0.01%0.01%0.08%0.83%0.00%0.66%1.42%0.66%-17 bps
Net Charge-Offs / Loans0.32%0.24%0.00%0.05%0.03%0.32%0.00%0.17%+12 bps
Allowance / Loans0.96%0.96%0.98%0.94%0.94%0.73%0.76%0.72%-22 bps
Allowance Coverage of NPLs89.7x108.6x12.3x1.1x393.4x1.1x0.5x1.1x0.0x
Capital
Tier 1 Leverage Ratio8.71%8.73%8.70%8.73%8.97%8.90%8.34%8.47%-26 bps
Total Risk-Based Capital13.48%13.11%13.30%13.17%13.63%13.17%12.97%12.83%-35 bps
Equity / Assets6.63%6.47%6.63%6.76%6.67%6.71%6.66%6.73%-3 bps
Liquidity & Funding
Loans / Deposits104.76%105.37%103.88%110.55%103.28%106.34%104.11%109.84%-71 bps
Liquid Assets / Assets8.60%6.78%7.98%6.02%9.70%7.14%8.05%8.73%+271 bps
CRE / Total Capitaln/an/an/an/a219%215%210%n/an/a