Davis Trust Company: how it compares with its peers
Against 22 WV banks with half to twice its assets, Davis Trust Company's strongest measure in Q2 2026 is assets per employee ($6.1M vs. a $5.3M peer median). Its weakest relative measure is return on assets (0.57% vs. 1.01%).
| Measure | Davis Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.57% | 1.01% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.75% | 4.10% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.19% | 67.03% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $5.3M | Top third Ahead of 73% of peers |
| Loans to deposits Net loans and leases over total deposits. | 109.05% | 81.10% | Context |
What it means for lending operations
Its efficiency ratio of 77.19% is above the 67.03% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- FNB Bank, Inc. Romney, WV · $278M
- The Bank of Monroe Union, WV · $255M
- West Union Bank West Union, WV · $300M
- The Citizens Bank of Weston Weston, WV · $303M
- Capon Valley Bank Wardensville, WV · $244M
- Williamstown Bank, Inc. Williamstown, WV · $237M
Questions about Davis Trust Company
How big is Davis Trust Company?
Davis Trust Company, established in 1901, is headquartered in Elkins, WV. It reported $275M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Davis Trust Company's return on assets?
0.57% annualized in Q2 2026, against a 1.01% median for 22 WV banks with half to twice its assets, ahead of 14% of them.
What is Davis Trust Company's efficiency ratio?
77.19% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 67.03%, and lower is better.
Is Davis Trust Company growing its loans?
Net loans grew 9.8% over the year to Q2 2026, while deposits grew 10.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WV banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every West Virginia bank ranked.