Compared with West Virginia
3 of 9
compared fees are above the median.
3 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
51st percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the West Virginia median
of 9 compared; 3 below, 3 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for Davis Trust Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the West Virginia median | Published fees above the West Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Davis Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.1% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (51st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $58K in Q2 2026, 7.4% above the same quarter a year earlier ($54K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 9 compared published fees sit above the West Virginia median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with West Virginia medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for West Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 6.5% from Q3 2025 to Q2 2026, to $58K. Its share of revenue, 2.1%, is above the 2.1% median for banks with under $300M in assets.
$58K
Davis Trust CompanyMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Davis Trust Company · $275M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Davis Trust Company(this institution) | Elkins, WV | $275M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of Deerfield | Deerfield, WI | $268M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of the Federated States of Micronesia | Kolonia, FM | $278M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of The Rockies | Helena, MT | $277M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Wolcott | Wolcott, IN | $280M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cayuga Lake National Bank | Union Springs, NY | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers and Merchants State Bank | Winterset, IA | $272M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Federal Savings and Loan Association of Valdosta | Valdosta, GA | $278M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Federal Savings Bank of Kentucky | Frankfort, KY | $283M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank of Steeleville | Steeleville, IL | $275M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| FNB Picayune Bank | Picayune, MS | $282M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Grand Bank for Savings, FSB | Hattiesburg, MS | $280M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Iowa State Savings Bank | Creston, IA | $277M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mediapolis Savings Bank | Mediapolis, IA | $270M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mission National Bank | San Francisco, CA | $276M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Old Glory Bank | Elmore City, OK | $277M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Patriots Bank | Garnett, KS | $269M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Reliance State Bank | Story City, IA | $277M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Riverside Bank of Dublin | Dublin, OH | $269M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| South Georgia Bank | Glennville, GA | $270M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Success Bank | Bloomfield, IA | $277M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Apple Creek Banking Company | Apple Creek, OH | $271M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Farmers State Bank of Waupaca | Waupaca, WI | $279M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The First National Bank and Trust Company of Broken Arrow | Broken Arrow, OK | $269M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Dennison | Dennison, OH | $267M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Unity Bank of Mississippi | Holly Springs, MS | $282M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.50 among 19 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Davis Trust Company does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Davis Trust Company (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $58K | +$5K | +9.4% |
| Q1 2026 | $53K | −$10K | −15.9% |
| Q4 2025 | $63K | +$1K | +1.6% |
| Q3 2025 | $62K | +$8K | +14.8% |
| Q2 2025 | $54K | +$4K | +8.0% |
| Q1 2025 | $50K | −$9K | −15.3% |
| Q4 2024 | $59K | +$1K | +1.7% |
| Q3 2024 | $58K | +$1K | +1.8% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Davis Trust Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Davis Trust Company by share.
Amounts from Davis Trust Company’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Research & Account Balancing, per hour charge (minimum charge $19.00) | $19Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| AOD Paid Item Fee | $31.88Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Item Fee | $31.88Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Fund Item Fee | $31.88Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer-Out (Domestic) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Online Bill Payment Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Payment Returned Payment Charge | $31.88Not compared: Per-item charge, not monthly | per item | None |
| Personal Online Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Fee for Drilling & Replacing Lock | $150Not compared: Box drilling or key fee | Not stated | None |
| Fee for Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Late Payment Fee (15 Days) | $5Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 x 22 (audience not stated, treated as personal) | $62Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2 x 5 x 22 (audience not stated, treated as personal) | $10Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 x 22 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 x 22 (audience not stated, treated as personal) | $12.50Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4 x 5 x 22 (audience not stated, treated as personal) | $16.50Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 x 22 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 x 22 (audience not stated, treated as personal) | $22Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 7 x 10 x 22 (audience not stated, treated as personal) | $47Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
Other Fees | |||
| Fax per Page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopy of records from film, per check or statement page | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Research & Account Balancing, per hour charge (minimum charge $19.00) | $19Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| AOD Paid Item Fee | $31.88Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Item Fee | $31.88Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Fund Item Fee | $31.88Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer-Out (Domestic) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Online Bill Payment Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Digital & Electronic | |||
| Business Online Bill Payment | $5.95 | per month | None |
| Online Bill Payment Returned Payment Charge | $31.88Not compared: Per-item charge, not monthly | per item | None |
Account Services | |||
| Fee for Drilling & Replacing Lock | $150Not compared: Box drilling or key fee | Not stated | None |
| Fee for Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Late Payment Fee (15 Days) | $5Not compared: Box drilling or key fee | Not stated | None |
Other Fees | |||
| Fax per Page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopy of records from film, per check or statement page | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 26, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Davis Trust Company operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $204.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $204.2M |
Largest competitors nearby
Local market: Randolph county, WV, where it holds the most deposits.
| 6 in its local market | Deposit share |
|---|---|
| Citizens Bank of West Virginia, Inc. | 38.2% |
| Mountain Valley Bank, N.A. | 15.2% |
| The Huntington National Bank | 14.6% |
| Freedom Bank, Inc. | 2.7% |
| The Grant County Bank | 2.7% |
This bank holds 25.9% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.