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Davis Trust Company
Elkins, WV · FDIC Certificate #2453 · Chartered 06/1
Total assets
$274.89M
Total deposits
$204.21M
Total equity
$18.49M
Net loans
$222.69M
Branches (offices)
2
Net income (YTD)
$769.00K
Rank: #2,594 of 4,213 U.S. banks by assets · #24 of 41 in West Virginia. Assets changed 11.2% and deposits 10.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.57% |
| Return on equity | 8.52% |
| Net interest margin (YTD) | 3.75% |
| Equity to assets | 6.73% |
| Tier 1 leverage ratio | 8.47% |
| Uninsured deposits (share of deposits) | 18.6% |
| Noncurrent loans (share of loans) | 0.66% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 109.1% |
| Real estate loans (share of loans) | 81.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $181.02M | 81.3% | |
| Commercial & industrial | $29.65M | 13.3% | |
| Consumer / individual | $8.11M | 3.6% | |
| Construction & development | $10.38M | 4.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $198.13M | $176.37M | $847.00K | $14.39M |
| Jun 2023 | $228.83M | $171.51M | $711.00K | $12.95M |
| Jun 2024 | $237.94M | $177.96M | $1.09M | $15.03M |
| Jun 2025 | $247.17M | $185.12M | $862.00K | $16.70M |
| Jun 2026 | $274.89M | $204.21M | $769.00K | $18.49M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $204.21M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $204.21M.
Similar-sized banks
First New Mexico Bank ($275.14M) · Columbus Bank And Trust Company ($274.63M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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