Advertisement
The Poca Valley Bank, Inc.
Walton, WV · FDIC Certificate #11952 · Chartered 09/2
Total assets
$666.23M
Total deposits
$603.33M
Total equity
$46.17M
Net loans
$502.88M
Branches (offices)
9
Net income (YTD)
$2.35M
Rank: #1,421 of 4,213 U.S. banks by assets · #10 of 41 in West Virginia. Assets changed 6.1% and deposits 4.3% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.72% |
| Return on equity | 10.40% |
| Net interest margin (YTD) | 4.17% |
| Equity to assets | 6.93% |
| Tier 1 leverage ratio | 7.78% |
| Uninsured deposits (share of deposits) | 12.5% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 83.3% |
| Real estate loans (share of loans) | 76.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $382.87M | 76.1% | |
| Commercial & industrial | $71.94M | 14.3% | |
| Consumer / individual | $46.86M | 9.3% | |
| Construction & development | $28.77M | 5.7% | |
| Agricultural | $240.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $478.87M | $431.44M | $1.84M | $33.27M |
| Jun 2023 | $530.51M | $478.12M | $2.03M | $35.31M |
| Jun 2024 | $575.70M | $530.60M | $1.39M | $37.91M |
| Jun 2025 | $627.74M | $578.25M | $1.53M | $40.48M |
| Jun 2026 | $666.23M | $603.33M | $2.35M | $46.17M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $603.33M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $603.33M.
Similar-sized banks
Concordia Bank & Trust Company ($667.02M) · Metairie Bank & Trust Company ($666.04M)
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