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Davis Trust Company

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q1QoQ +13

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

Quarterly Headline

2024-Q1

Bank #357526 2024-Q1 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.0% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↑ +13 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↑ +15
  • Reserves
    ↑ +50

The five pillars

Liquidity

StableQoQ 0
73
Sub-score

Liquidity is stable: brokered 6.4%, loans/deposits 105.0%, cash 7.5% of assets.

Cash / Assets
7.49%
Loans / Deposits
105.03%
Brokered %
6.37%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.0% (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
2.93%
No watch items at this period.

Capitalization

StableQoQ +7
76
Sub-score

Capital position is stable: Tier 1 RBC 12.00%, CET1 12.00%, leverage 8.32%.

Tier 1 RBC
12.00%
CET1
12.00%
Leverage
8.32%
No watch items at this period.

Asset Quality

StrongQoQ +15
97
Sub-score

Asset quality is strong: Adjusted NPL 0.76%, Texas Ratio 6.4%, NCO YTD 0.06%.

Adjusted NPL
0.76%
Govt-guarantees stripped
Texas Ratio
6.4%
NCO YTD
0.06%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +50
78
Sub-score

Reserves are stable: ALLL 1.15% of loans, coverage 153.7%, true coverage 108.0%.

ALLL / Loans
1.15%
Coverage
153.7%
True Loss Coverage
108.0%
No watch items at this period.

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