Bank Comparison
Home Federal Bank vs Poca Valley Bank, INC., the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Home Federal Bank | Poca Valley Bank, INC., the |
|---|---|---|
| CET1 Ratio | 13.05% | 11.37% |
| Tier 1 Capital Ratio | 13.05% | 11.37% |
| Total Capital Ratio | 14.10% | 12.06% |
| Tier 1 Leverage Ratio | 9.44% | 7.79% |
| Equity / Assets | 9.43% | 6.99% |
Profitability
| Metric | Home Federal Bank | Poca Valley Bank, INC., the |
|---|---|---|
| Return on Assets (ROA) | 1.11% | 0.76% |
| Return on Equity (ROE) | 11.43% | 11.02% |
| Net Interest Margin (NIM) | 3.74% | 4.16% |
| Yield on Earning Assets | 5.48% | 5.69% |
| Cost of Funds | 1.80% | 1.57% |
Asset quality
| Metric | Home Federal Bank | Poca Valley Bank, INC., the |
|---|---|---|
| Texas Ratio | 6.83% | 4.62% |
| Non-Performing Loan Ratio | 0.64% | 0.31% |
| Non-Performing Asset Ratio | 0.61% | 0.32% |
| Net Charge-Off Ratio | -0.03% | 0.03% |
| ACL / Loans | 0.98% | 0.61% |
Balance sheet
| Metric | Home Federal Bank | Poca Valley Bank, INC., the |
|---|---|---|
| Total Assets | $641,909K | $642,782K |
| Total Deposits | $575,896K | $586,446K |
| Total Loans | $486,423K | $498,459K |
| Total Equity | $60,541K | $44,960K |
| Net Income (quarter) | $1,726K | $1,234K |
Liquidity & funding
| Metric | Home Federal Bank | Poca Valley Bank, INC., the |
|---|---|---|
| Loan-to-Deposit Ratio | 84.46% | 85.00% |
| Core Deposit Ratio | 89.65% | 91.96% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Home Federal Bank | Poca Valley Bank, INC., the |
|---|---|---|
| Headquarters City | SHREVEPORT | WALTON |
| Headquarters State | LA | WV |
| Asset Tier | Medium | Medium |
| Charter Class | 700057 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 11 | 8 |
| Employees (FTE) | 71 | 139 |
| Established | Jan. 1, 1924, midnight | Sept. 24, 1908, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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