| Metric | Davis Trust Company | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +4.4% | +6.9 pts |
| Deposit growth (YoY) | +10.3% | +4.0% | +6.4 pts |
| Loan growth (YoY) | +9.8% | +5.6% | +4.3 pts |
| ROA | 0.57% | 1.24% | -0.7 pts |
| ROE | 8.5% | 11.9% | -3.3 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $274.9M | $204.2M | $222.7M | $18.5M | $769K | 0.57% | 3.75% | 0.80% |
| Q1 2026 | $270.2M | $213.3M | $220.3M | $18.0M | $236K | 0.35% | 3.44% | 1.43% |
| Q4 2025 | $263.3M | $203.5M | $214.8M | $17.7M | $2.2M | 0.88% | 4.03% | 0.81% |
| Q3 2025 | $263.1M | $203.1M | $207.8M | $17.6M | $1.6M | 0.87% | 3.99% | 0.28% |
| Q2 2025 | $247.2M | $185.1M | $202.7M | $16.7M | $862K | 0.71% | 3.96% | 0.98% |
| Q1 2025 | $243.4M | $189.1M | $194.5M | $16.1M | $325K | 0.54% | 3.94% | 0.36% |
| Q4 2024 | $239.3M | $183.0M | $191.0M | $15.5M | $2.2M | 0.92% | 3.96% | 0.31% |
| Q3 2024 | $237.0M | $178.7M | $185.4M | $15.7M | $1.6M | 0.88% | 3.90% | 0.31% |
Loan mix (Q2 2026): real estate $181.0M · commercial $29.6M · consumer $8.1M · securities $11.2M
| Ratio | Davis Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.2% | 62.9% | 81th |
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 | Davis Trust Company | 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 | Davis Trust Company | 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 | Davis Trust Company | 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 | Davis Trust Company | 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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