Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Elkins, WV · FDIC certificate #2453
DAVIS TRUST CO is an FDIC-insured institution based in Elkins, WV (FDIC certificate #2453). In its Q3 2026 Call Report it reported total assets of $289M, total deposits of $219M and net loans of $233M. Its primary federal regulator is FDIC.
Plain-language readout
DAVIS TRUST CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $289M in Q3 2026 and were lowest at $270M in Q1 2026.
Total deposits were highest at $219M in Q3 2026 and lowest at $204M in Q2 2026.
Over the whole period total assets rose 6.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $289M | $219M | $233M | 0.65% | 9.72% | 3.83% |
| Q2 2026 | $275M | $204M | $223M | 0.57% | 8.52% | 3.75% |
| Q1 2026 | $270M | $213M | $220M | 0.35% | 5.30% | 3.44% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $20.9M | $19.0M | +$1.9M | +10.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $11.2M | $11.3M | -$57K | -0.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $222.7M | $220.3M | +$2.3M | +1.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.1M | $5.1M | +$22K | +0.4% |
| Other real estate owned | $716K | $716K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $680K | $680K | $0K | 0.0% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $13.6M | $13.2M | +$441K | +3.3% |
| Total assets | $274.9M | $270.2M | +$4.7M | +1.7% |
| Liabilities | ||||
| Total deposits | $204.2M | $213.3M | -$9.1M | -4.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $49.8M | $36.7M | +$13.0M | +35.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.4M | $2.3M | +$172K | +7.6% |
| Total liabilities | $256.4M | $252.3M | +$4.2M | +1.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $8.0M | $8.0M | $0K | 0.0% |
| Surplus | $8.0M | $8.0M | $0K | 0.0% |
| Retained earnings | $7.4M | $6.9M | +$533K | +7.8% |
| Accumulated other comprehensive income | -$4.9M | -$4.9M | -$28K | -0.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $18.5M | $18.0M | +$505K | +2.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.2M | $3.9M | -$1.7M | -43.4% |
| Adjusted nonperforming assets | $2.2M | $3.9M | -$1.7M | -43.4% |
| Tangible equity plus allowance | $20.1M | $19.7M | +$440K | +2.2% |
| Texas ratio (gross) | 10.90% | 19.68% | -8.78 pts | See points |
| Texas ratio (adjusted) | 10.90% | 19.68% | -8.78 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 23.83% | 32.93% | -9.10 pts | See points |
| Tier 1 capital to risk-weighted assets | 11.98% | 12.08% | -0.10 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.98% | 12.08% | -0.10 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.85% | 0.89% | -0.04 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.83% | 12.97% | -0.15 pts | See points |
| Tier 1 leverage (approximate) | 8.47% | 8.34% | +0.13 pts | See points |
| Construction and land loans to total capital | 42.34% | 40.79% | +1.56 pts | See points |
| Commercial real estate to total capital | 98.31% | 104.70% | -6.39 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.59% | -3.66% | +0.07 pts | See points |
| Liquidity | ||||
| Core deposits | $190.4M | $199.7M | -$9.3M | -4.6% |
| Non-core funding | $63.5M | $50.3M | +$13.3M | +26.4% |
| Loans to core deposits | 117.79% | 111.17% | +6.62 pts | See points |
| Loans to deposits | 109.84% | 104.11% | +5.73 pts | See points |
| Brokered deposits share of deposits | 2.56% | 2.44% | +0.12 pts | See points |
| Pledged securities share of securities | 8.91% | 8.86% | +0.05 pts | See points |
| Loans pledged, share of loans | 77.01% | 76.53% | +0.48 pts | See points |
| Volatile liabilities | $84.7M | $78.9M | +$5.8M | +7.4% |
| Earnings | ||||
| Earnings before provision, year to date | $1.2M | $370K | +$786K | +212.4% |
| Earnings before provision, single quarter | $786K | $370K | +$416K | +112.4% |
| Provision for credit losses, year to date | $228K | $102K | +$126K | +123.5% |
| Yield and cost | ||||
| Yield on loans and leases | 6.32% | 5.93% | +0.39 pts | See points |
| Yield on interest-bearing balances due from banks | 3.90% | 3.38% | +0.52 pts | See points |
| Total interest income to average assets | 5.55% | 5.14% | +0.41 pts | See points |
| Cost of interest-bearing transaction accounts | 1.35% | 1.43% | -0.08 pts | See points |
| Cost of savings and money market deposits | 1.99% | 3.22% | -1.23 pts | See points |
| Cost of time deposits | 3.69% | 3.71% | -0.03 pts | See points |
| Total interest expense to average assets | 1.84% | 2.10% | -0.26 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $289M | $219M | $233M | 0.65% | 9.72% | 3.83% |
| 2026-06-30 | $275M | $204M | $223M | 0.57% | 8.52% | 3.75% |
| 2026-03-31 | $270M | $213M | $220M | 0.35% | 5.30% | 3.44% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| WV | $185.1M | 0.39% | 42 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.