POWELL VALLEY NATIONAL BANK

JONESVILLE, VA | Medium | Est. Jan. 1, 1888, midnight | FDIC #6863 | RSSD #31826 | OCC
Latest Report: 2025-12-31

POWELL VALLEY NATIONAL BANK is amn medium FDIC-insured commercial bank headquartered in JONESVILLE, VA, established in Jan. 1, 1888, midnight. As of 2025-12-31, the bank reported total assets of $518M and total deposits of $464M. Profitability stands at 0.80% ROA and 8.44% ROE, with a net interest margin of 3.93%. The bank's CET1 capital ratio is 13.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.33%. FDIC Certificate #6863.

Assets

$518M

Deposits

$464M

Loans

$398M

Equity

$48M

Profitability

Return on Assets (ROA) 0.80%
Return on Equity (ROE) 8.44%
Net Interest Margin (NIM) 3.93%
Yield on Assets 5.93%
Cost of Funds 2.06%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.33%
NPA Ratio 0.03%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 13.54%
Tier 1 Capital 13.54%
Total Capital Ratio 14.79%
Leverage Ratio 9.65%
Loan-to-Deposit 85.75%

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