| Metric | Davidson Trust Co. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +3.0% | +7.3 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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
14 branches in 13 counties across 8 states (+1 vs 2025) · $500K branch deposits. Biggest market: Cascade, MT, ranked 19th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cascade, MT | 2 | $500K | 0.02% | 19th |
| New Hanover, NC | 1 | $0 | 0.00% | 29th |
| King, WA | 1 | $0 | 0.00% | 67th |
| 10 more counties with Pro → | ||||
Montana: 94th with 0.00% · Virginia: 251st with 0.00% · Washington: 164th with 0.00% · North Carolina: 176th with 0.00% · Nevada: 68th with 0.00% · Idaho: 70th with 0.00% · Oregon: 94th with 0.00% · Nebraska: 224th with 0.00% · Great Falls metro: 19th, 0.02% · Wilmington metro: 31st, 0.00% ·
Branch count: 2022 8 · 2023 10 · 2024 10 · 2025 13 · 2026 14