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 | |