POCA VALLEY BANK, INC., THE

WALTON, WV | Medium | Est. Sept. 24, 1908, midnight | FDIC #11952 | RSSD #851239 | FDIC
Latest Report: 2025-12-31

POCA VALLEY BANK, INC., THE is amn medium FDIC-insured commercial bank headquartered in WALTON, WV, established in Sept. 24, 1908, midnight. As of 2025-12-31, the bank reported total assets of $649M and total deposits of $597M. Profitability stands at 0.99% ROA and 14.53% ROE, with a net interest margin of 4.20%. The bank's CET1 capital ratio is 11.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.31% and a Texas Ratio of 4.16%. FDIC Certificate #11952.

Assets

$649M

Deposits

$597M

Loans

$491M

Equity

$45M

Profitability

Return on Assets (ROA) 0.99%
Return on Equity (ROE) 14.53%
Net Interest Margin (NIM) 4.20%
Yield on Assets 5.90%
Cost of Funds 1.70%

Asset Quality

NPL Ratio 0.31%
Net Charge-Off Ratio 0.05%
Texas Ratio 4.16%
NPA Ratio 0.31%
ACL / Loans 0.65%

Capital & Liquidity

CET1 Ratio 11.21%
Tier 1 Capital 11.21%
Total Capital Ratio 11.93%
Leverage Ratio 7.54%
Loan-to-Deposit 82.27%

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