Davis Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 6.29 percentage points higher than in Q1 2026, at 114.64%. As of Q2 2026, Davis Trust Company ranks first in West Virginia on loan-to-deposit ratio among 41 banks, at 109.84%. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Davis Trust Company sits 29.29 points higher, at 109.84% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $32.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $49.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 18.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.84% |
| Net loans and leases to deposits | 109.05% |
| Loans and leases to core deposits | 114.64% |
| Core deposits to total deposits | 93.25% |
| Brokered deposits to total deposits | 2.56% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 107.53% | 93.23% | $0 | $45.8M |
| Q4 2023 | 106.17% | 90.45% | $0 | $46.7M |
| Q1 2024 | 106.25% | 90.61% | $0 | $44.6M |
| Q2 2024 | 104.52% | 91.67% | $0 | $42.2M |
| Q3 2024 | 104.76% | 91.24% | $0 | $40.0M |
| Q4 2024 | 105.37% | 91.63% | $0 | $37.7M |
| Q1 2025 | 103.88% | 91.46% | $0 | $35.4M |
| Q2 2025 | 110.55% | 90.86% | $0 | $42.7M |
| Q3 2025 | 103.28% | 91.42% | $0 | $39.9M |
| Q4 2025 | 106.34% | 92.83% | $0 | $39.6M |
| Q1 2026 | 104.11% | 93.65% | $0 | $36.7M |
| Q2 2026 | 109.84% | 93.25% | $0 | $49.8M |
Davis Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Davis Trust Company, freeSource: Call Report Schedules RC and RC-M, 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)