BlastPoint's Banking Scorecard
Davis Trust Company
Micro
Specialty: Commercial
WV
FDIC cert 2453
Designations: ✓ Community bank
Elkins, WV
2498
banks in Micro tier nationally
29 in WV
View Micro leaderboard (WV) →
Davis Trust Company shows strong momentum with 2 strengths and 10.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 31.04% above tier
- + Non-Interest-Bearing Deposit Share 17.81% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$263.3M
+10.0% YoY
+0.1% QoQ
|
+$45.8M |
$217.5M
+2.3% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$214.8M
+12.5% YoY
+3.3% QoQ
|
+$75.6M |
$139.2M
+2.8% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$203.5M
+11.2% YoY
+0.2% QoQ
|
+$19.8M |
$183.7M
+1.8% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
0.88%
-4.7% YoY
+0.5% QoQ
|
-0.21% |
1.08%
+14.7% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
4.03%
+1.8% YoY
+1.1% QoQ
|
+0.18% |
3.85%
+6.6% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
66.33%
-2.9% YoY
-1.3% QoQ
|
-1.39% |
67.73%
-4.8% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? | 0.66% | +0.02% |
0.64%
+24.4% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
105.57%
+1.2% YoY
+3.2% QoQ
|
+31.04% |
74.53%
+0.5% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.20%
+15.2% YoY
+3.8% QoQ
|
+17.81% |
22.39%
-1.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.81%
+163.0% YoY
+193.8% QoQ
|
+0.36% |
0.45%
+25.1% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
12.30%
+2.1% YoY
-1.8% QoQ
|
+3.45% |
8.85%
-3.4% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.46%
-10.2% YoY
+33.5% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
105.57%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
40.20%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Loan-to-Deposit Ratio
Current: 105.57% · Tier avg: 74.53%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.20% · Tier avg: 22.39%
77
77th pctile
Total Loans
Current: $214.8M · Tier avg: $139.2M
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
65
65th pctile
Total Assets
Current: $263.3M · Tier avg: $217.5M
60
60th pctile
Total Deposits
Current: $203.5M · Tier avg: $183.7M
60
60th pctile
Tier 1 Capital Ratio
Current: 12.30% · Tier avg: 8.85%
60
60th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
50
50th pctile
Efficiency Ratio
Current: 66.33% · Tier avg: 67.73%
39
39th pctile
Delinquency Rate
Current: 0.66% · Tier avg: 0.64%
38
38th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.08%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.45%
Top Weaknesses
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.45%
38
38th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.08%
39
39th pctile
Delinquency Rate
Current: 0.66% · Tier avg: 0.64%
50
50th pctile
Efficiency Ratio
Current: 66.33% · Tier avg: 67.73%
60
60th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.30% · Tier avg: 8.85%
60
60th pctile
Total Deposits
Current: $203.5M · Tier avg: $183.7M
65
65th pctile
Total Assets
Current: $263.3M · Tier avg: $217.5M
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
77
77th pctile
Total Loans
Current: $214.8M · Tier avg: $139.2M
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.20% · Tier avg: 22.39%
95
95th pctile
Loan-to-Deposit Ratio
Current: 105.57% · Tier avg: 74.53%