Davis Trust Co
Elkins, West Virginia · FDIC Cert #2453
This is the FDIC profile for Davis Trust Co, an FDIC-insured bank (Certificate #2453) with $238M in total assets and $178M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Elkins, West Virginia, the bank maintains a Tier 1 capital ratio of 12.03% (Well-Capitalized) and a nonperforming loan ratio of 0.58%. BankHealthData assigns a composite Health Grade of B (68/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Davis Trust Co (FDIC cert 2453) is a community bank — $238M in total assets, $178M in deposits, serving the Elkins, West Virginia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.03% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.58% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 13.0% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.13% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Davis Trust Co carries a composite BankHealth grade of B (68/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Davis Trust Co
- Total Assets
- $238M
- Total Deposits
- $178M
- Tier 1 Capital Ratio
- 12.03%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.58%
- Liquidity Ratio
- 13.03%
- Return on Assets
- 1.13%
- Headquarters
- Elkins, West Virginia
- FDIC Certificate
- #2453
- Health Grade
- B (68/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Davis Trust Co files quarterly Call Reports with the FDIC under Certificate #2453. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Davis Trust Co holds a Tier 1 capital ratio of 12.03%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Davis Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Davis Trust Co shows strong financial health indicators. With $238M in assets and a Health Score of 68/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Davis Trust Co Compares
Davis Trust Co’s Health Score of 68 is 11 points below the West Virginia state average of 79 across 43 FDIC-insured banks. Its 12.03% Tier 1 capital ratio is 2.0 points below the US banking industry average near 14%. The 0.58% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.13% is in line with or above the national ROA benchmark of ~1.1%. Among 1567 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, Davis Trust Co is 12 points below the portfolio average of 80.
Frequently Asked Questions
Davis Trust Co has a Bank Health Score of B (68/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.03%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Davis Trust Co's Tier 1 capital ratio of 12.03% and nonperforming loan ratio of 0.58% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Davis Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #2453). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Davis Trust Co holds $238M in total assets and $178M in total deposits. It is headquartered in Elkins, West Virginia (FDIC Certificate #2453).
Davis Trust Co's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #2453 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Davis Trust Co has a Tier 1 capital ratio of 12.03%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.58%, and the return on assets is 1.13%.
Yes. Davis Trust Co is FDIC-insured (Certificate #2453). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Davis Trust Co's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.