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Davis Trust Company

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2026-Q1QoQ -4

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

Quarterly Headline

2026-Q1

Bank #357526 2026-Q1 Vital Signs Score: 71/100 — 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. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.2% (Adjusted NPL + Performing Mods denominator).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.3% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +14
  • Reserves
    ↓ -43

The five pillars

Liquidity

StableQoQ +2
75
Sub-score

Liquidity is stable: brokered 2.4%, loans/deposits 103.3%, cash 7.0% of assets.

Cash / Assets
7.02%
Loans / Deposits
103.32%
Brokered %
2.44%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.39%
No watch items at this period.

Capitalization

StableQoQ -5
72
Sub-score

Capital position is stable: Tier 1 RBC 12.08%, CET1 12.08%, leverage 8.34%.

Tier 1 RBC
12.08%
CET1
12.08%
Leverage
8.34%
No watch items at this period.

Asset Quality

StrongQoQ +14
87
Sub-score

Asset quality is strong: Adjusted NPL 1.43%, Texas Ratio 12.8%, NCO YTD 0.00%.

Adjusted NPL
1.43%
Govt-guarantees stripped
Texas Ratio
12.8%
NCO YTD
0.00%
30-89 PD
0.94%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -43
9
Sub-score

Reserves are weak: ALLL 0.76% of loans, coverage 53.2%, true coverage 29.2%.

ALLL / Loans
0.76%
Coverage
53.2%
True Loss Coverage
29.2%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.2% (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