| Metric | Davidson Trust Co. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +3.0% | +7.2 pts |
| Deposit growth (YoY) | 0.0% | +2.5% | -2.5 pts |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | 3.50% | 0.99% | +2.5 pts |
| ROE | 4.5% | 8.1% | -3.5 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.2M | $500K | $0 | $9.9M | $222K | 3.50% | 3.64% | 0.00% |
| Q1 2026 | $12.2M | $500K | $0 | $9.9M | $264K | 8.49% | 3.73% | 0.00% |
| Q4 2025 | $12.6M | $500K | $0 | $9.5M | $1.5M | 12.09% | 3.75% | 0.00% |
| Q3 2025 | $13.2M | $500K | $0 | $10.1M | $1.1M | 12.55% | 3.64% | 0.00% |
| Q2 2025 | $12.0M | $500K | $0 | $9.6M | $673K | 11.75% | 3.62% | 0.00% |
| Q1 2025 | $11.2M | $500K | $0 | $9.2M | $400K | 14.29% | 3.71% | 0.00% |
| Q4 2024 | $11.2M | $500K | $0 | $8.8M | $1.4M | 12.77% | 3.71% | 0.00% |
| Q3 2024 | $11.9M | $500K | $0 | $9.3M | $949K | 11.72% | 3.57% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $11.6M
| Ratio | Davidson Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.50% | 0.99% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 8.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.5% | 70.8% | 86th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Davidson Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Davidson Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Davidson Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Davidson Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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