BlastPoint's Banking Scorecard
Davis Trust Company
Elkins, WV
2 branches across WV
Davis Trust Company has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 21.05% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 18.4% in tier
- - Return on Assets 0.92% below tier average
- - Loan-to-Deposit Ratio 26.68% above tier average
- - Net Interest Margin 0.49% below tier average
- - Delinquency Rate 0.54% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$270.2M
+11.0% YoY
+2.6% QoQ
|
-$115.8M |
$386.1M
+0.5% YoY
|
$1.2B
+2.9% YoY
|
$6.2B
+9.1% YoY
|
41% |
| Total Loans ? |
$220.3M
+13.3% YoY
+2.6% QoQ
|
-$35.4M |
$255.7M
+1.1% YoY
|
$864.0M
+4.3% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$213.3M
+12.8% YoY
+4.8% QoQ
|
-$114.7M |
$328.0M
+0.1% YoY
|
$1.0B
+3.7% YoY
|
$4.8B
+8.2% YoY
|
38% |
| Return on Assets ? |
0.35%
-34.3% YoY
-59.6% QoQ
|
-0.92% |
1.27%
+12.9% YoY
|
0.95%
+29.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 9.5% in tier |
| Net Interest Margin ? |
3.44%
-12.5% YoY
-14.7% QoQ
|
-0.49% |
3.93%
+6.0% YoY
|
3.79%
+9.5% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
84.00%
+22.7% YoY
+26.6% QoQ
|
+18.72% |
65.29%
-4.5% YoY
|
70.57%
-7.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.0% in tier |
| Delinquency Rate ? |
1.43%
+116.9% QoQ
|
+0.54% |
0.89%
+18.8% YoY
|
0.74%
+24.2% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
103.32%
+0.4% YoY
-2.1% QoQ
|
+26.68% |
76.64%
+0.8% YoY
|
78.35%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 5.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
43.07%
+22.9% YoY
+7.1% QoQ
|
+21.05% |
22.02%
-1.0% YoY
|
26.63%
-0.0% YoY
|
22.01%
-1.2% YoY
|
Top 3.4% in tier |
| Nonperforming Asset Ratio ? |
1.43%
+296.6% YoY
+76.2% QoQ
|
+0.79% |
0.64%
+19.7% YoY
|
0.57%
+21.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.3% in tier |
| Tier 1 Capital Ratio ? |
12.08%
-0.8% YoY
-1.8% QoQ
|
-3.75% |
15.83%
+1.5% YoY
|
14.22%
+0.9% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.08%
-9.1% YoY
-82.0% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.14%
-2.1% YoY
|
0.32%
+4.1% YoY
|
41% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.