DAVIS TRUST COMPANY

ELKINS, WV | Small | Est. June 17, 1901, midnight | FDIC #2453 | RSSD #357526 | FDIC
Latest Report: 2025-12-31

DAVIS TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in ELKINS, WV, established in June 17, 1901, midnight. As of 2025-12-31, the bank reported total assets of $263M and total deposits of $203M. Profitability stands at 0.88% ROA and 13.15% ROE, with a net interest margin of 4.05%. The bank's CET1 capital ratio is 12.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 3.77%. FDIC Certificate #2453.

Assets

$263M

Deposits

$203M

Loans

$216M

Equity

$18M

Profitability

Return on Assets (ROA) 0.88%
Return on Equity (ROE) 13.15%
Net Interest Margin (NIM) 4.05%
Yield on Assets 6.06%
Cost of Funds 2.01%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.32%
Texas Ratio 3.77%
NPA Ratio 0.28%
ACL / Loans 0.73%

Capital & Liquidity

CET1 Ratio 12.30%
Tier 1 Capital 12.30%
Total Capital Ratio 13.17%
Leverage Ratio 8.90%
Loan-to-Deposit 106.34%

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