Davis Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Davis Trust Company is an FDIC-insured commercial bank headquartered in Elkins, WV, established in 1901 (FDIC certificate 2453), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $274.9M, up 11.2% from Q2 2025, the 24th largest of 40 banks headquartered in West Virginia. Its CET1 capital ratio was 11.98% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2453
- Headquarters
- Elkins, WV
- Established
- 1901
- Total assets, Q2 2026
- $274.9M
- Assets vs Q2 2025
- +11.2%
- CET1 ratio, Q2 2026
- 11.98%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 051501134
- Latest call report
- Q2 2026, FFIEC 051 · Davis Trust Company call report
- Holding company
- DAVIS TRUST FINANCIAL CORPORATION
- Asset rank in state
- 24th of 40 in West Virginia
Davis Trust Company operates with a thinner capital cushion than most banks of its size. Based in Elkins, West Virginia, it had $275 million in assets at June 30, 2026, up 11.2% from a year earlier. It funds 8.47% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 10.9% of the capital and reserves that would absorb them, 4.1 times the median of 2.6% for banks its size. It has also been growing, with assets up 11.2% in a year.
Its $30 million commercial and industrial book is now fully current, after 2.93% of it was past due or on nonaccrual a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.66% of loans, down from 0.83% a year earlier. Profitability lags: it earns about $0.79 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Davis Trust Company reported a CET1 capital ratio of 11.98%, a return on assets of 0.79%, a nonperforming-loan ratio of 0.66% and a Texas ratio of 10.90%. The figures come from its call report filed with the FFIEC.
Of the 40 banks headquartered in West Virginia, Davis Trust Company is the 24th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.7% to $274.9M, loans rose 1.0% and deposits fell 4.2%. 1-4 family residential loans made up 59.9% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 13.2%. Its 2 offices in the FDIC Summary of Deposits are in Elkins, WV. Judged on its Q2 2026 call report, Davis Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 227 Davis Ave, Elkins, WV 26241
- County
- Randolph
- Metro Area
- Elkins, WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 17, 1901
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $204.2M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $191K
- Average total assets
- $270.7M
- Average total loans
- $221.1M
- Average interest-bearing deposits
- $140.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2453
- Fed RSSD
- 357526
- Website
- www.davistrust.com →
- Parent Holding Company
- DAVIS TRUST FINANCIAL CORPORATION (RSSD 2878294)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Davis Trust Company's total assets ranged from $229.6M (Q3 2023) to $274.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$274.9M total assets against $247.2M; $256.4M total liabilities against $230.5M.
$222.7M net loans and leases against $202.7M; $204.2M total deposits against $185.1M.
$11.2M securities against $11.2M; $20.9M cash and balances due against $12.7M.
$3.8M total interest income against $3.3M; $1.2M total interest expense against $1.1M.
$2.5M net interest income against $2.2M.
$243K total noninterest income against $301K; $2.0M total noninterest expense against $1.8M.
$126K provision for credit losses against $51K.
$533K net income against $537K.
0.79% return on assets against 0.86%; 4.07% net interest margin against 3.90%.
11.98% CET1 capital ratio against 12.10%; 8.47% tier 1 leverage ratio against 8.73%.
Inside the full Davis Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Davis Trust Company rankings
Its closest position to the top of a national ranking is 562 of 3,640, for Texas Ratio; its furthest is 2,917 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.34% (Q1 2026) to 1.22% (Q3 2025) and its net interest margin ran from 3.33% (Q1 2026) to 4.10% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.98% | 0.79% | 0.66% | 10.90% | 4.07% |
| Q1 2026 | 12.08% | 0.34% | 1.42% | 19.68% | 3.33% |
| Q4 2025 | 12.30% | 0.93% | 0.66% | 11.13% | 4.10% |
| Q3 2025 | 12.53% | 1.22% | 0.00% | 3.73% | 3.99% |
| Q2 2025 | 12.10% | 0.86% | 0.83% | 13.00% | 3.90% |
| Q1 2025 | 12.19% | 0.53% | 0.08% | 4.87% | 3.87% |
| Q4 2024 | 12.05% | 1.04% | 0.01% | 4.27% | 4.06% |
| Q3 2024 | 12.40% | 0.81% | 0.01% | 4.20% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Davis Trust Company (main office) | Elkins , WV | 26241 | $186.3M |
| South Branch | Elkins , WV | 26241 | $18.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in WV, rank 40 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Davis Trust Company
What are Davis Trust Company's total assets?
As of the Q2 2026 filing, Davis Trust Company reported total assets of $274.9 million in its FFIEC call report.
Where is Davis Trust Company headquartered?
It is headquartered in Elkins, WV, United States.
When was Davis Trust Company founded?
It was established in 1901, per the FDIC institution directory.
Is Davis Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2453). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Davis Trust Company?
Davis Trust Company's primary federal regulator is the FDIC.
What is Davis Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.98% in its Q2 2026 call report, above regulatory requirements.
How many branches does Davis Trust Company operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Davis Trust Company's Texas Ratio?
Its Texas Ratio is 10.90% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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