Jonesville, VA · Cert 6863 · Powell Valley Bankshares Inc.
National charter · OCC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
49
Asset Quality
55
Profitability
79
Liquidity
65
Efficiency
83
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.
Jonesville, VA · Cert 6863 · Powell Valley Bankshares Inc.
National charter · OCC · 7 branches
Q2 2026
Market Position · Kingsport-Bristol, TN-VA · 2026 SOD (annual) · 2.4% share · #13 of 24 inst. · $0.1B of $5.9B
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 | 0.41% | 0.28% | 0.46% | 0.27% | 0.42% | 0.52% | 0.77% | 2.20% | +194 bps | |
| Return on Equity | 4.47% | 3.10% | 4.97% | 2.86% | 4.48% | 5.50% | 8.14% | 22.59% | +1,973 bps | |
| Net Interest Margin | 2.87% | 2.85% | 3.04% | 3.20% | 3.23% | 3.22% | 3.54% | 3.60% | +40 bps | |
| Efficiency Ratio | 83.31% | 85.63% | 81.20% | 86.75% | 82.98% | 79.11% | 71.65% | 54.11% | -3,265 bps | |
| Non-Interest Burden | 2.32% | 2.38% | 2.40% | 2.72% | 2.60% | 2.45% | 2.44% | 1.06% | -166 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.32% | 0.25% | 0.17% | 2.76% | 1.61% | 4.95% | 7.42% | 7.14% | +438 bps | |
| Loan Growth (YoY) | 8.45% | 8.18% | 7.36% | 7.29% | 3.27% | 8.15% | 7.08% | 5.83% | -146 bps | |
| Deposit Growth (YoY) | -2.25% | 0.01% | -0.24% | 2.49% | 0.91% | 4.21% | 7.46% | 6.24% | +375 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.32% | 0.21% | 0.11% | 0.24% | 0.04% | 0.35% | 0.21% | +9 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.02% | 0.02% | 0.06% | -0.05% | -0.01% | -3 bps | |
| Allowance / Loans | 1.26% | 1.26% | 1.25% | 1.28% | 1.30% | 1.26% | 1.30% | 1.31% | +3 bps | |
| Allowance Coverage of NPLs | 3.6x | 4.0x | 6.0x | 11.2x | 5.5x | 28.8x | 3.7x | 6.3x | -4.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.86% | 9.55% | 9.55% | 9.67% | 9.73% | 9.65% | 9.87% | 10.67% | +100 bps | |
| Total Risk-Based Capital | 14.35% | 14.29% | 14.25% | 13.94% | 14.47% | 14.79% | 13.65% | 15.01% | +106 bps | |
| Equity / Assets | 9.50% | 9.04% | 9.44% | 9.52% | 9.73% | 9.32% | 9.49% | 10.44% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.90% | 82.62% | 87.04% | 89.09% | 87.90% | 85.75% | 86.73% | 88.75% | -34 bps | |
| Liquid Assets / Assets | 10.44% | 13.00% | 9.02% | 7.63% | 9.63% | 10.79% | 10.77% | 9.88% | +225 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 329% | 358% | 367% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.21% | 0.60% | 1.01% | 1.45% | Beats 90% | 61 / 629 | ||
| Return on Equity | 21.14% | 5.38% | 9.30% | 13.28% | Beats 94% | 35 / 629 | ||
| Net Interest Margin | 3.60% | 3.03% | 3.54% | 4.05% | Beats 54% | 291 / 629 | ||
| Efficiency Ratio | 54.11% | 58.35% | 67.79% | 79.08% | Beats 83% | 111 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.09% | 0.46% | 1.20% | Beats 65% | 205 / 581 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 44% | 328 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.76% | 11.24% | 13.84% | 18.77% | Beats 49% | 320 / 629 | ||
| Total Risk-Based Capital Ratio | 15.01% | 11.58% | 14.43% | 19.66% | Beats 53% | 294 / 629 | ||
| Equity / Assets | 10.44% | 9.09% | 10.65% | 13.80% | Beats 46% | 340 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.75% | 67.24% | 80.90% | 93.48% | 66th pctl | 202 / 594 | ||
| Loans / Assets | 79.04% | 53.31% | 67.71% | 78.15% | 78th pctl | 138 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||