Advertisement
Capon Valley Bank
Wardensville, WV · FDIC Certificate #9998 · Chartered 07/0
Total assets
$244.17M
Total deposits
$218.43M
Total equity
$22.69M
Net loans
$176.41M
Branches (offices)
6
Net income (YTD)
$1.40M
Rank: #2,744 of 4,213 U.S. banks by assets · #26 of 41 in West Virginia. Assets changed 4.9% and deposits 4.3% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.16% |
| Return on equity | 12.46% |
| Net interest margin (YTD) | 4.97% |
| Equity to assets | 9.29% |
| Tier 1 leverage ratio | 9.67% |
| Uninsured deposits (share of deposits) | 17.3% |
| Noncurrent loans (share of loans) | 1.27% |
| Net charge-offs (share of loans) | 0.18% |
| Loans to deposits | 80.8% |
| Real estate loans (share of loans) | 90.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $158.90M | 90.1% | |
| Commercial & industrial | $2.67M | 1.5% | |
| Consumer / individual | $13.34M | 7.6% | |
| Construction & development | $28.32M | 16.1% | |
| Agricultural | $431.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $204.37M | $184.67M | $919.00K | $17.39M |
| Jun 2023 | $207.67M | $188.03M | $501.00K | $17.59M |
| Jun 2024 | $218.84M | $197.40M | $804.00K | $18.98M |
| Jun 2025 | $232.87M | $209.34M | $1.06M | $20.90M |
| Jun 2026 | $244.17M | $218.43M | $1.40M | $22.69M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $160.91M | 3 |
| Virginia | $57.52M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $218.43M.
Similar-sized banks
Security Bank, S.B. ($244.49M) · Homeland Community Bank ($244.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement