BanksDAVIS TRUST COMPANY

DAVIS TRUST COMPANY

ELKINS, WVSmallEst. June 17, 1901, midnightFDIC #2453RSSD #357526FDIC
Latest · 2025-12-31

DAVIS TRUST COMPANY is an 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%. CET1 capital ratio: 12.30%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 3.77%. Operates 2 domestic branches.

Assets
$263M
Deposits
$203M
Loans
$216M
Equity
$18M

Profitability

Return on Assets (ROA)0.88%
Return on Equity (ROE)13.15%
Net Interest Margin4.05%
Yield on Assets6.06%
Cost of Funds2.01%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.32%
Texas Ratio3.77%
NPA Ratio0.28%
ACL / Loans0.73%

Capital & Liquidity

CET1 Ratio12.30%
Tier 1 Capital12.30%
Total Capital Ratio13.17%
Leverage Ratio8.90%
Loan-to-Deposit106.34%

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