Davis Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 6.39 percentage points in Q2 2026, from 104.71% to 98.32%. It was the largest change from Q1 2026 among the key lines here. Davis Trust Company has the highest loan-to-deposit ratio of the 41 banks headquartered in West Virginia, 109.84% as of Q2 2026. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $224.3M |
| Net loans and leases | $222.7M |
| Loans held for sale | $0 |
| Loans to total assets | 81.60% |
| Loan-to-deposit ratio | 109.84% |
| Net loans to equity capital | 12.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.40% |
| Multifamily (5+ residential) | 0.70% |
| Commercial and industrial | 13.22% |
| Consumer | 3.62% |
| Credit cards | 0.00% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.47% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 98.32% |
| Construction concentration (Tier 1 capital + allowance) | 42.35% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.35% |
| Interest income on loans | $3.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $181.1M | $168.5M | 27.94% | 9.57% | 3.21% |
| Q4 2023 | $187.8M | $176.9M | 26.20% | 8.63% | 4.12% |
| Q1 2024 | $187.3M | $176.3M | 24.39% | 8.73% | 4.34% |
| Q2 2024 | $186.0M | $178.0M | 23.05% | 8.66% | 4.73% |
| Q3 2024 | $187.2M | $178.7M | 21.56% | 9.33% | 5.33% |
| Q4 2024 | $192.8M | $183.0M | 20.64% | 10.51% | 5.19% |
| Q1 2025 | $196.4M | $189.1M | 20.28% | 10.93% | 4.63% |
| Q2 2025 | $204.7M | $185.1M | 19.22% | 10.88% | 4.28% |
| Q3 2025 | $209.8M | $203.1M | 18.45% | 11.18% | 4.10% |
| Q4 2025 | $216.4M | $203.5M | 17.39% | 11.52% | 4.27% |
| Q1 2026 | $222.0M | $213.3M | 16.42% | 12.91% | 3.77% |
| Q2 2026 | $224.3M | $204.2M | 15.40% | 13.22% | 3.62% |
Davis Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Davis Trust Company, freeSource: Call Report Schedule RC-C, 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)