Poca Valley Bank, Inc., The
Walton, WV · Cert 11952 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Poca Valley Bankshares Inc. the
State charter, non-member · FDIC · 9 branches
Q2 2026
$666.2MAssets
$505.8MLoans
$603.3MDeposits
$46.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 56% of banks under $1B in assets operating in a single state (rank 329 of 755).
- Widest gap: equity / assets trails 94% of banks under $1B in assets operating in a single state (rank 709 of 755).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.71%
Rank 571 of 755
Net Interest Margin
3.81%
Rank 329 of 755
Efficiency Ratio
80.56%
Rank 627 of 755
Equity / Assets
6.93%
Rank 709 of 755
Non-interest income vs. expense
Unfavorable gap of $19.4M · efficiency ratio beats 17% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.72% | 1.06% | 1.45% | Beats 24% | 571 / 755 | |
| Return on Equity | 10.19% | 6.66% | 10.44% | 13.61% | Beats 48% | 392 / 755 | |
| Net Interest Margin | 3.81% | 3.15% | 3.68% | 4.17% | Beats 56% | 329 / 755 | |
| Efficiency Ratio | 80.56% | 55.75% | 64.78% | 75.61% | Beats 17% | 627 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.09% | 0.42% | 1.05% | Beats 54% | 348 / 751 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 26% | 553 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 11.36% | 11.56% | 13.81% | 17.74% | Beats 22% | 587 / 755 | |
| Total Risk-Based Capital Ratio | 12.02% | 11.72% | 14.46% | 18.53% | Beats 28% | 546 / 755 | |
| Equity / Assets | 6.93% | 8.93% | 10.56% | 13.13% | Beats 6% | 709 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 83.84% | 62.43% | 78.62% | 91.00% | 61st pctl | 296 / 755 | |
| Loans / Assets | 75.92% | 54.70% | 67.27% | 76.55% | 73rd pctl | 206 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |