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Davis Trust Company

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q1QoQ -2

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

Quarterly Headline

2025-Q1

Bank #357526 2025-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.9% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -14
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +3
73
Sub-score

Liquidity is stable: brokered 5.0%, loans/deposits 102.9%, cash 6.6% of assets.

Cash / Assets
6.55%
Loans / Deposits
102.86%
Brokered %
4.97%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.79%
No watch items at this period.

Capitalization

StableQoQ +2
76
Sub-score

Capital position is stable: Tier 1 RBC 12.19%, CET1 12.19%, leverage 8.70%.

Tier 1 RBC
12.19%
CET1
12.19%
Leverage
8.70%
No watch items at this period.

Asset Quality

StrongQoQ -14
86
Sub-score

Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.7%, NCO YTD 0.00%.

Adjusted NPL
0.08%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.00%
30-89 PD
2.51%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
83
Sub-score

Reserves are strong: ALLL 0.98% of loans, coverage 1234.6%, true coverage 487.6%.

ALLL / Loans
0.98%
Coverage
1234.6%
True Loss Coverage
487.6%
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