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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ -11

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

Quarterly Headline

2025-Q4

Bank #357526 2025-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.6% (threshold 100%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.21% of loans.
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.73% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -11 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -19
  • Reserves
    ↓ -29

The five pillars

Liquidity

StableQoQ -6
73
Sub-score

Liquidity is stable: brokered 2.5%, loans/deposits 105.6%, cash 6.5% of assets.

Cash / Assets
6.49%
Loans / Deposits
105.57%
Brokered %
2.55%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.45%
No watch items at this period.

Capitalization

StableQoQ -4
77
Sub-score

Capital position is stable: Tier 1 RBC 12.30%, CET1 12.30%, leverage 8.90%.

Tier 1 RBC
12.30%
CET1
12.30%
Leverage
8.90%
No watch items at this period.

Asset Quality

StableQoQ -19
73
Sub-score

Asset quality is stable: Adjusted NPL 0.66%, Texas Ratio 5.9%, NCO YTD 1.21%.

Adjusted NPL
0.66%
Govt-guarantees stripped
Texas Ratio
5.9%
NCO YTD
1.21%
30-89 PD
1.98%
Band 0.3% / 3.0%
90+ PD
0.66%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.21% of loans.

Reserves

WatchQoQ -29
52
Sub-score

Reserves are deteriorating: ALLL 0.73% of loans, coverage 111.3%, true coverage 95.3%.

ALLL / Loans
0.73%
Coverage
111.3%
True Loss Coverage
95.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.73% of loans.

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