Davis Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Net interest margin: 0.74 percentage points higher than in Q1 2026, at 4.07%. Within West Virginia, Davis Trust Company is 18th of 41 on net interest margin, 4.07% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Davis Trust Company sits 0.13 points higher, at 4.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.06% |
| Yield on loans | 6.35% |
| Yield on securities | 2.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.92% |
| Cost of interest-bearing liabilities | 3.02% |
| Cost of borrowings | 3.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.07% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $887K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.28% | 1.33% | 3.93% | 5.45% | 2.43% |
| Q4 2023 | 5.06% | 1.64% | 3.50% | 5.14% | 2.39% |
| Q1 2024 | 5.58% | 1.69% | 3.90% | 5.81% | 2.37% |
| Q2 2024 | 5.69% | 1.94% | 3.82% | 5.92% | 2.37% |
| Q3 2024 | 5.80% | 1.85% | 3.91% | 6.06% | 2.45% |
| Q4 2024 | 5.97% | 1.92% | 4.06% | 6.26% | 2.42% |
| Q1 2025 | 5.75% | 1.88% | 3.87% | 6.02% | 2.45% |
| Q2 2025 | 5.85% | 1.96% | 3.90% | 6.09% | 2.61% |
| Q3 2025 | 5.93% | 1.98% | 3.99% | 6.23% | 2.58% |
| Q4 2025 | 6.13% | 2.03% | 4.10% | 6.38% | 2.63% |
| Q1 2026 | 5.60% | 2.22% | 3.33% | 5.95% | 2.63% |
| Q2 2026 | 6.06% | 1.86% | 4.07% | 6.35% | 2.63% |
Davis Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Davis Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)