POWELL VALLEY NATIONAL BANK
POWELL VALLEY NATIONAL BANK is an FDIC-insured commercial bank headquartered in JONESVILLE, VA, established in 1888. As of , 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 3.75%. CET1 capital ratio: 13.54%, well above regulatory minimums. NPL ratio: 0.04% · Texas Ratio: 0.33%. Operates 7 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Powell Valley National Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.54% | 0.80% | 0.04% | 0.33% | 3.75% |
| 2025-09-30 | 13.22% | 0.74% | 0.24% | 1.73% | 3.48% |
| 2025-06-30 | 12.69% | 0.07% | 0.11% | 1.03% | 3.50% |
| 2025-03-31 | 13.00% | 0.46% | 0.10% | 0.90% | 3.19% |
| 2024-12-31 | 13.04% | -0.08% | 0.12% | 0.89% | 3.16% |
| 2024-09-30 | 13.10% | 0.38% | 0.12% | 0.91% | 3.03% |
| 2024-06-30 | 13.18% | 0.44% | 0.12% | 0.93% | 3.15% |
| 2024-03-31 | 13.36% | 0.41% | 0.21% | 1.53% | 2.76% |
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Frequently asked about POWELL VALLEY NATIONAL BANK
What are Powell Valley National Bank's total assets?
As of the Q4 2025 filing, Powell Valley National Bank reported total assets of $517.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Powell Valley National Bank headquartered?
Powell Valley National Bank is headquartered in JONESVILLE, VA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Powell Valley National Bank founded?
Powell Valley National Bank was established in 1888, per the FDIC institution directory.
Is Powell Valley National Bank FDIC-insured?
Yes. Powell Valley National Bank is an FDIC-insured commercial bank (FDIC Certificate #6863). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Powell Valley National Bank?
Powell Valley National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Powell Valley National Bank's CET1 capital ratio?
Powell Valley National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.54% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Powell Valley National Bank operate?
Powell Valley National Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Powell Valley National Bank's Texas Ratio?
Powell Valley National Bank's Texas Ratio is 0.33% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.