Walton, WV · Cert 11952 · Poca Valley Bankshares Inc. the
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Charleston, WV · 2026 SOD (annual) · 4.0% share · #7 of 14 inst. · $0.3B of $7.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.56% | 0.36% | 0.49% | 0.61% | 0.71% | 0.76% | 0.72% | +23 bps | |
| Return on Equity | 8.33% | 8.54% | 5.76% | 7.77% | 9.49% | 10.83% | 11.02% | 10.40% | +263 bps | |
| Net Interest Margin | 3.18% | 3.13% | 3.36% | 3.47% | 3.45% | 3.47% | 3.85% | 3.81% | +34 bps | |
| Efficiency Ratio | 80.20% | 80.22% | 81.82% | 81.33% | 80.73% | 79.07% | 80.06% | 80.52% | -80 bps | |
| Non-Interest Burden | 2.40% | 2.37% | 2.62% | 2.69% | 2.64% | 2.60% | 2.95% | 2.93% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.37% | 12.07% | 7.78% | 9.04% | 6.48% | 5.32% | 4.94% | 6.13% | -291 bps | |
| Loan Growth (YoY) | 8.09% | 7.81% | 5.24% | 4.49% | 4.05% | 6.40% | 7.95% | 8.01% | +352 bps | |
| Deposit Growth (YoY) | 14.07% | 15.01% | 9.89% | 8.98% | 6.80% | 4.69% | 3.82% | 4.34% | -464 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.41% | 0.44% | 0.45% | 0.80% | 0.34% | 0.34% | 0.37% | -8 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.15% | 0.06% | 0.02% | 0.05% | 0.05% | 0.03% | 0.07% | +5 bps | |
| Allowance / Loans | 0.78% | 0.70% | 0.79% | 0.78% | 0.72% | 0.65% | 0.61% | 0.58% | -20 bps | |
| Allowance Coverage of NPLs | 2.4x | 1.7x | 1.8x | 1.7x | 0.9x | 1.9x | 1.8x | 1.6x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.71% | 7.35% | 7.37% | 7.55% | 7.57% | 7.54% | 7.79% | 7.78% | +24 bps | |
| Total Risk-Based Capital | 12.60% | 11.86% | 12.14% | 12.20% | 12.15% | 11.93% | 12.06% | 12.02% | -18 bps | |
| Equity / Assets | 6.73% | 6.24% | 6.42% | 6.45% | 6.72% | 6.87% | 6.99% | 6.93% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.18% | 80.94% | 81.74% | 80.99% | 81.05% | 82.27% | 85.00% | 83.84% | +285 bps | |
| Liquid Assets / Assets | 5.99% | 6.27% | 5.56% | 6.47% | 5.38% | 2.53% | 1.17% | 2.60% | -387 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 208% | 213% | 206% | n/a | n/a | |