Headquartered in Elkins, West Virginia, Davis Trust Company is a state-chartered bank with $274.9M in total assets and $204.2M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1901.
Based on its Q2 2026 filing, Davis Trust Company scores 53/100, which we describe as below average. That is higher than only 9% of 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 37th. Its strongest component is loan quality (78/100; 0.66%), and its lowest is capital cushion (35/100; 8.47%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (54 → 53).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 65 |
| Q4 2024 | 65 |
| Q1 2025 | 61 |
| Q2 2025 | 54 |
| Q3 2025 | 66 |
| Q4 2025 | 58 |
| Q1 2026 | 43 |
| Q2 2026 | 53 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.49% |
| Q3 2024 | 8.71% |
| Q4 2024 | 8.73% |
| Q1 2025 | 8.70% |
| Q2 2025 | 8.73% |
| Q3 2025 | 8.97% |
| Q4 2025 | 8.90% |
| Q1 2026 | 8.34% |
| Q2 2026 | 8.47% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.58% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.83% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.66% |
| Q1 2026 | 1.42% |
| Q2 2026 | 0.66% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.91% |
| Q3 2024 | 0.88% |
| Q4 2024 | 0.92% |
| Q1 2025 | 0.54% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.87% |
| Q4 2025 | 0.88% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $274.9M | 8.47% | 0.66% | 0.57% | 109.1% |
| Q1 2026 | 43 | $270.2M | 8.34% | 1.42% | 0.35% | 103.3% |
| Q4 2025 | 58 | $263.3M | 8.90% | 0.66% | 0.88% | 105.6% |
| Q3 2025 | 66 | $263.1M | 8.97% | 0.00% | 0.87% | 102.3% |
| Q2 2025 | 54 | $247.2M | 8.73% | 0.83% | 0.71% | 109.5% |
| Q1 2025 | 61 | $243.4M | 8.70% | 0.08% | 0.54% | 102.9% |
| Q4 2024 | 65 | $239.3M | 8.73% | 0.01% | 0.92% | 104.4% |
| Q3 2024 | 65 | $237.0M | 8.71% | 0.01% | 0.88% | 103.8% |
| Q2 2024 | 58 | $237.9M | 8.49% | 0.58% | 0.91% | 103.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FNB Bank, Inc.Bank Romney, WV | 70 out of 100, Strong | $277.9M | 10.6% | 0.45% | vs |
| The Bank of MonroeBank Union, WV | 85 out of 100, Very strong | $255.4M | 13.2% | 0.34% | vs |
| West Union BankBank West Union, WV | 70 out of 100, Strong | $300.3M | 8.7% | 0.13% | vs |
| The Citizens Bank of WestonBank Weston, WV | 71 out of 100, Strong | $302.7M | 10.9% | 1.09% | vs |
| Capon Valley BankBank Wardensville, WV | 61 out of 100, Moderate | $244.2M | 9.7% | 1.27% | vs |
| Williamstown Bank, Inc.Bank Williamstown, WV | 66 out of 100, Moderate | $236.7M | 10.1% | 0.37% | vs |
Deposit insurance
Is my money safe at Davis Trust Company?
Yes. Davis Trust Company is an FDIC-insured institution (FDIC certificate #2453). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.6% of deposits ($38.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.47%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.83% (benchmark: 10%).
2 locations
Branches
Davis Trust Company lists 2 offices in 1 city. Most locations:
- Elkins, WV (2)
Identity & history
Profile
- Legal name
- Davis Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 2453
- RSSD ID
- 357526
- Primary regulator
- FDIC
- Holding company
- Davis Trust Financial Corp
- Established
- June 17, 1901
- Headquarters
- 227 Davis Ave, Elkins, WV 26241
- Website
- www.davistrust.com
- Employees
- 45
Quick answers
Davis Trust Company: common questions
Is Davis Trust Company FDIC insured?
Yes. Davis Trust Company is an FDIC-insured institution (FDIC certificate #2453). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Davis Trust Company's TellerScore?
53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Davis Trust Company ever failed?
There is no failure record for FDIC certificate #2453 in the FDIC failed bank list.
How many branches does Davis Trust Company have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Elkins
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mountain Valley Bank, N.A.Bank Elkins, WV | 87 out of 100, Very strong | $201.9M | 13.6% | 0.19% | vs |
| Freedom Bank, Inc.Bank Belington, WV | 78 out of 100, Strong | $429.7M | 11.4% | 0.36% | vs |
| First Community BankBank Bluefield, VA | 75 out of 100, Strong | $3.6B | 10.2% | 0.70% | vs |
| Citizens Bank of West Virginia, Inc.Bank Elkins, WV | 74 out of 100, Strong | $772.5M | 10.0% | 0.58% | vs |
| Highlands BankBank Petersburg, WV | 69 out of 100, Moderate | $407.1M | 11.0% | 0.91% | vs |
| Peoples BankBank Marietta, OH | 67 out of 100, Moderate | $9.5B | 9.7% | 0.60% | vs |