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Davis Trust Company

IDRSSD: 357526
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2023-Q4QoQ -16

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #357526 2023-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.6% (Adjusted NPL + Performing Mods denominator).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.9% (threshold 100%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -16 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -18
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -14
73
Sub-score

Liquidity is stable: brokered 6.9%, loans/deposits 104.9%, cash 7.8% of assets.

Cash / Assets
7.81%
Loans / Deposits
104.94%
Brokered %
6.88%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.91%
No watch items at this period.

Capitalization

StableQoQ +1
70
Sub-score

Capital position is stable: Tier 1 RBC 11.17%, CET1 11.17%, leverage 8.52%.

Tier 1 RBC
11.17%
CET1
11.17%
Leverage
8.52%
No watch items at this period.

Asset Quality

StrongQoQ -18
82
Sub-score

Asset quality is strong: Adjusted NPL 2.37%, Texas Ratio 20.6%, NCO YTD -0.01%.

Adjusted NPL
2.37%
Govt-guarantees stripped
Texas Ratio
20.6%
NCO YTD
-0.01%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.37% (govt-guarantees stripped).

Reserves

Risk
29
Sub-score

Reserves are weak: ALLL 1.16% of loans, coverage 49.6%, true coverage 43.6%.

ALLL / Loans
1.16%
Coverage
49.6%
True Loss Coverage
43.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.6% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.6% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 03:53:07 UTC