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
Unfavorable gap of $5.4M · efficiency ratio beats 83% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |