Davis Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Davis Trust Company of Elkins, WV against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.79% | 1.25% | -0.46% | 21st bottom |
| ROAE | 11.69% | 12.22% | -0.53% | 45th below |
| Net Interest Margin | 4.07% | 3.95% | +0.12% | 56th above |
| Efficiency Ratio | 70.78% | 63.71% | +7.07% | 25th below |
| PPNR / Avg Assets | 1.16% | — | — | 26th below |
| Yield on Earning Assets | 6.06% | 5.67% | +0.39% | 71st above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.86% | 1.87% | -0.01% | 45th below |
| Net Interest Spread | 3.04% | — | — | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.66% | 0.88% | -0.22% | 39th below |
| NPA / Total Assets | 0.80% | — | — | 26th below |
| NCO / Avg Loans | 0.35% | 0.15% | +0.20% | 8th bottom |
| ACL / Total Loans | 0.72% | — | — | 8th bottom |
| ACL / NPLs (Coverage) | 109.42% | — | — | 29th below |
| Texas Ratio | 10.90% | 5.96% | +4.94% | 16th bottom |
| Provision / NCO | 65.97% | — | — | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.98% | 17.18% | -5.20% | 17th bottom |
| Tier 1 Ratio | 11.98% | 17.21% | -5.23% | 17th bottom |
| Total Capital Ratio | 12.83% | — | — | 14th bottom |
| Leverage Ratio | 8.47% | 11.75% | -3.28% | 6th bottom |
| Equity / Assets | 6.73% | 10.98% | -4.25% | 5th bottom |
| TCE / Tangible Assets | 6.73% | — | — | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.84% | 80.44% | +29.40% | 4th bottom |
| Core Deposit Ratio | 93.25% | 86.95% | +6.30% | 75th top |
| Wholesale Funding Ratio | 18.10% | — | — | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.22% | — | — | 86th top |
| Loan Growth (Y/Y) | 9.60% | — | — | 72nd above |
| Deposit Growth (Y/Y) | 10.31% | — | — | 83rd top |
See Davis Trust Company's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Davis Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Davis Trust Company profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Davis Trust Company peer analysis.