PackageTrendsPeer
Letter portraitLegal landscape

Powell Valley National Bank

Jonesville, VA · Cert 6863 · Powell Valley Bankshares Inc.

National charter · OCC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

83

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Powell Valley National Bank

Jonesville, VA · Cert 6863 · Powell Valley Bankshares Inc.

National charter · OCC · 7 branches

Q2 2026

$516.5MAssets
$408.2MLoans
$460.0MDeposits
$53.9MEquity
Loan mix
92%RE $347.1M6%C&I $20.8M2%Consumer $9.2MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $344.0M25%Noninterest $116.0MQ2 2025Q2 2026

NIM

5.05%Q2 ’245.19%Q2 ’255.27%Q2 ’26+13%+12%

Non-interest income vs. expense

2.71%Q2 ’243.13%Q2 ’252.98%Q2 ’26+19%-61%

Market Position · Kingsport-Bristol, TN-VA · 2026 SOD (annual) · 2.4% share · #13 of 24 inst. · $0.1B of $5.9B

26.3% Wise
33.6% Lee
4.5% Washington
2.4% Sullivan

Executive Summary

  • Earnings: ROA of 2.20%, up 194 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.21% of loans (+9 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.67%, up 100 bps from a year ago.
  • Funding: loans stand at 88.75% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.20%+194 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+40 bps YoY

Efficiency Ratio (YTD, annualized)

54.11%-3,265 bps YoY

Tier 1 Leverage Ratio

10.67%+100 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.42%0.52%0.77%2.20%+194 bps
Return on Equity2.86%4.48%5.50%8.14%22.59%+1,973 bps
Net Interest Margin3.20%3.23%3.22%3.54%3.60%+40 bps
Efficiency Ratio86.75%82.98%79.11%71.65%54.11%-3,265 bps
Non-Interest Burden2.72%2.60%2.45%2.44%1.06%-166 bps
Growth
Asset Growth (YoY)2.76%1.61%4.95%7.42%7.14%+438 bps
Loan Growth (YoY)7.29%3.27%8.15%7.08%5.83%-146 bps
Deposit Growth (YoY)2.49%0.91%4.21%7.46%6.24%+375 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.24%0.04%0.35%0.21%+9 bps
Net Charge-Offs / Loans0.02%0.02%0.06%-0.05%-0.01%-3 bps
Allowance / Loans1.28%1.30%1.26%1.30%1.31%+3 bps
Allowance Coverage of NPLs11.2x5.5x28.8x3.7x6.3x-4.9x
Capital
Tier 1 Leverage Ratio9.67%9.73%9.65%9.87%10.67%+100 bps
Total Risk-Based Capital13.94%14.47%14.79%13.65%15.01%+106 bps
Equity / Assets9.52%9.73%9.32%9.49%10.44%+92 bps
Liquidity & Funding
Loans / Deposits89.09%87.90%85.75%86.73%88.75%-34 bps
Liquid Assets / Assets7.63%9.63%10.79%10.77%9.88%+225 bps
CRE / Total Capitaln/a329%358%367%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Powell Valley National Bank

Jonesville, VA · Cert 6863 · Peer group: banks under $1B in assets (n=581-629) · Powell Valley Bankshares Inc.

National charter · OCC · 7 branches

Q2 2026

$516.5MAssets
$408.2MLoans
$460.0MDeposits
$53.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 94% of banks under $1B in assets (rank 35 of 629).
  • Widest gap: net charge-offs / loans trails 56% of banks under $1B in assets (rank 328 of 581).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.21%

Rank 61 of 629

Net Interest Margin

3.60%

Rank 291 of 629

Efficiency Ratio

54.11%

Rank 111 of 629

Equity / Assets

10.44%

Rank 340 of 629

Non-interest income vs. expense

$9.8M$15.3MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 83% of banks under $1B in assets
Bank 54.11%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.21%0.60%1.01%1.45%Beats 90%61 / 629
Return on Equity21.14%5.38%9.30%13.28%Beats 94%35 / 629
Net Interest Margin3.60%3.03%3.54%4.05%Beats 54%291 / 629
Efficiency Ratio54.11%58.35%67.79%79.08%Beats 83%111 / 629
Asset Quality
Nonperforming Loans / Loans0.21%0.09%0.46%1.20%Beats 65%205 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 44%328 / 581
Capital
Tier 1 Capital Ratio13.76%11.24%13.84%18.77%Beats 49%320 / 629
Total Risk-Based Capital Ratio15.01%11.58%14.43%19.66%Beats 53%294 / 629
Equity / Assets10.44%9.09%10.65%13.80%Beats 46%340 / 629
Liquidity & Funding
Loans / Deposits88.75%67.24%80.90%93.48%66th pctl202 / 594
Loans / Assets79.04%53.31%67.71%78.15%78th pctl138 / 629
Brokered Deposits / Depositsn/aNot reported for this institution