Poca Valley Bank, Inc., The
Walton, WV · Cert 11952 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 326 of 746).
- Widest gap: equity / assets trails 94% of banks under $1B in assets operating in a single state (rank 700 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.71%
Rank 565 of 746
Net Interest Margin
3.81%
Rank 326 of 746
Efficiency Ratio
80.56%
Rank 624 of 746
Equity / Assets
6.93%
Rank 700 of 746
Non-interest income vs. expense
Unfavorable gap of $19.4M · efficiency ratio beats 16% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.72% | 1.06% | 1.45% | Beats 24% | 565 / 746 | | |
| Return on Equity | 10.19% | 6.74% | 10.51% | 13.63% | Beats 48% | 390 / 746 | | |
| Net Interest Margin | 3.81% | 3.17% | 3.68% | 4.16% | Beats 56% | 326 / 746 | | |
| Efficiency Ratio | 80.56% | 55.74% | 64.58% | 75.47% | Beats 16% | 624 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.09% | 0.42% | 1.07% | Beats 55% | 337 / 743 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 25% | 555 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.36% | 11.55% | 13.75% | 17.60% | Beats 23% | 577 / 746 | | |
| Total Risk-Based Capital Ratio | 12.02% | 11.71% | 14.33% | 18.43% | Beats 28% | 537 / 746 | | |
| Equity / Assets | 6.93% | 8.90% | 10.51% | 13.06% | Beats 6% | 700 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.84% | 61.31% | 78.27% | 90.78% | 62nd pctl | 282 / 746 | | |
| Loans / Assets | 75.92% | 53.60% | 66.97% | 76.08% | 74th pctl | 193 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |