CAPON VALLEY BANK

WARDENSVILLE, WV | Small | Est. July 1, 1918, midnight | FDIC #9998 | RSSD #18836 | FDIC
Latest Report: 2025-12-31

CAPON VALLEY BANK is asn small FDIC-insured commercial bank headquartered in WARDENSVILLE, WV, established in July 1, 1918, midnight. As of 2025-12-31, the bank reported total assets of $237M and total deposits of $212M. Profitability stands at 1.20% ROA and 12.95% ROE, with a net interest margin of 4.90%. The bank's CET1 capital ratio is 9.35%. Asset quality metrics show a non-performing loan ratio of 1.44% and a Texas Ratio of 10.45%. FDIC Certificate #9998.

Assets

$237M

Deposits

$212M

Loans

$175M

Equity

$22M

Profitability

Return on Assets (ROA) 1.20%
Return on Equity (ROE) 12.95%
Net Interest Margin (NIM) 4.90%
Yield on Assets 6.27%
Cost of Funds 1.40%

Asset Quality

NPL Ratio 1.44%
Net Charge-Off Ratio 0.06%
Texas Ratio 10.45%
NPA Ratio 1.06%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 9.35%
Tier 1 Capital 9.35%
Total Capital Ratio 9.82%
Leverage Ratio 9.59%
Loan-to-Deposit 82.59%

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