Davis Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings climbed 7.8% in Q2 2026, from $6.9M to $7.4M. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Davis Trust Company is 3rd from the bottom among 15 West Virginia banks, 11.98% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Davis Trust Company sits 3.10 points lower, at 11.98% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.98% |
| Tier 1 risk-based capital ratio | 11.98% |
| Total risk-based capital ratio | 12.83% |
| Tier 1 leverage ratio | 8.47% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $22.9M |
| Tier 1 capital | $22.9M |
| Total risk-based capital | $24.5M |
| Total equity capital | $18.5M |
| Risk-weighted assets | $191.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.73% |
| Tangible equity to tangible assets | 6.73% |
| Equity capital to average assets | 6.83% |
| Internal capital growth rate | 11.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.0M |
| Common stock surplus | $8.0M |
| Retained earnings | $7.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.28% | 11.28% | 12.53% | 8.53% | $168.1M |
| Q4 2023 | 11.17% | 11.17% | 12.42% | 8.52% | $171.3M |
| Q1 2024 | 12.00% | 12.00% | 13.25% | 8.32% | $164.1M |
| Q2 2024 | 12.03% | 12.03% | 13.06% | 8.49% | $168.2M |
| Q3 2024 | 12.40% | 12.40% | 13.48% | 8.71% | $167.0M |
| Q4 2024 | 12.05% | 12.05% | 13.11% | 8.73% | $172.9M |
| Q1 2025 | 12.19% | 12.19% | 13.30% | 8.70% | $173.6M |
| Q2 2025 | 12.10% | 12.10% | 13.17% | 8.73% | $179.3M |
| Q3 2025 | 12.53% | 12.53% | 13.63% | 8.97% | $179.2M |
| Q4 2025 | 12.30% | 12.30% | 13.17% | 8.90% | $183.2M |
| Q1 2026 | 12.08% | 12.08% | 12.97% | 8.34% | $189.3M |
| Q2 2026 | 11.98% | 11.98% | 12.83% | 8.47% | $191.1M |
Davis Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Davis Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Davis Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2453) · FFIEC NIC profile (RSSD 357526)