The Poca Valley Bank, Inc.
BankRegReports is independent of The Poca Valley Bank, Inc. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Poca Valley Bank, Inc. is an FDIC-insured commercial bank headquartered in Walton, WV, established in 1908 (FDIC certificate 11952), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $666.2M, up 6.1% from Q2 2025, the 10th largest of 40 banks headquartered in West Virginia. Its CET1 capital ratio was 11.36% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11952
- Headquarters
- Walton, WV
- Established
- 1908
- Total assets, Q2 2026
- $666.2M
- Assets vs Q2 2025
- +6.1%
- CET1 ratio, Q2 2026
- 11.36%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 051503145
- Latest call report
- Q2 2026, FFIEC 051 · The Poca Valley Bank, Inc. call report
- Holding company
- POCA VALLEY BANKSHARES, INC., THE
- Asset rank in state
- 10th of 40 in West Virginia
The Poca Valley Bank, Inc. operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $666 million at June 30, 2026, up 6.1% from a year earlier; it is based in Walton, West Virginia. It funds 7.78% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Net income for the quarter rose 15% from a year earlier, to $1.1 million. Over the same year, loans grew 8.0% and deposits grew 4.3%. Profitability lags: it earns about $0.68 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, The Poca Valley Bank, Inc. reported a CET1 capital ratio of 11.36%, a return on assets of 0.68%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 4.98%. The figures come from its call report filed with the FFIEC.
Of the 40 banks headquartered in West Virginia, The Poca Valley Bank, Inc. is the 10th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.6% to $666.2M, loans rose 1.5% and deposits rose 2.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 54.9% of total loans, followed by commercial and industrial loans at 14.2%. Its 9 offices in the FDIC Summary of Deposits are in 8 cities in WV; its Walton office books 20% of its branch deposits. On its Q2 2026 call report, The Poca Valley Bank, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7033 Charleston Rd, Walton, WV 25286
- County
- Roane
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 24, 1908
- Former names
- The Poca Valley Bank, Inc. (1994)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 144
- Domestic deposits
- $603.3M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $174K
- Average total assets
- $662.3M
- Average total loans
- $498.5M
- Average interest-bearing deposits
- $392.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11952
- Fed RSSD
- 851239
- Website
- www.pocavalleybank.com →
- Parent Holding Company
- POCA VALLEY BANKSHARES, INC., THE (RSSD 2152734)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Poca Valley Bank, Inc.'s total assets ran between $533.0M (Q3 2023) and $666.2M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$666.2M total assets against $627.7M; $620.1M total liabilities against $587.3M.
$502.9M net loans and leases against $464.7M; $603.3M total deposits against $578.2M.
$91.7M securities against $73.8M; $30.3M cash and balances due against $57.2M.
$8.7M total interest income against $8.2M; $2.4M total interest expense against $2.6M.
$6.3M net interest income against $5.6M.
$1.2M total noninterest income against $1.0M; $6.1M total noninterest expense against $5.3M.
$32K provision for credit losses against $9K.
$1.1M net income against $971K.
0.68% return on assets against 0.62%; 4.15% net interest margin against 3.79%.
11.36% CET1 capital ratio against 11.31%; 7.78% tier 1 leverage ratio against 7.55%.
Inside the full The Poca Valley Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Poca Valley Bank, Inc. rankings
Its closest position to the top of a national ranking is 1,413 of 4,196, for total assets; its furthest is 3,248 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.36% (Q1 2025) to 0.97% (Q4 2025) and its net interest margin ran from 3.42% (Q3 2024) to 4.16% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.36% | 0.68% | 0.37% | 4.98% | 4.15% |
| Q1 2026 | 11.37% | 0.76% | 0.34% | 4.62% | 4.16% |
| Q4 2025 | 11.21% | 0.97% | 0.34% | 4.46% | 4.07% |
| Q3 2025 | 11.35% | 0.84% | 0.80% | 8.80% | 3.82% |
| Q2 2025 | 11.31% | 0.62% | 0.45% | 5.36% | 3.79% |
| Q1 2025 | 11.25% | 0.36% | 0.44% | 5.31% | 3.58% |
| Q4 2024 | 11.08% | 0.57% | 0.41% | 5.07% | 3.58% |
| Q3 2024 | 11.70% | 0.66% | 0.32% | 4.46% | 3.42% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Poca Valley Bank, Inc. | Walton , WV | 25286 | $120.5M |
| Elkview Branch | Elkview , WV | 25071 | $120.4M |
| Spencer Branch | Spencer , WV | 25276 | $98.8M |
| Winfield Branch | Winfield , WV | 25213 | $80.9M |
| Sissonville Branch | Sissonville , WV | 25320 | $62.2M |
| Kanawha City Branch | Charleston , WV | 25304 | $52.6M |
| Clendenin Branch | Clendenin , WV | 25045 | $49.3M |
| Poca Foodfair Supermarket Branch | Poca , WV | 25159 | $16.1M |
| Charleston Financial Center Branch | Charleston , WV | 25301 | $2.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 30, 2017 | Structure Change | Acquired Poca Valley Financial Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.3% of deposits in WV, rank 14 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 393 applications, 284 loans originated, $52.9M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The Poca Valley Bank, Inc.’s latest filed figures and updates each quarter.
Similar banks
Compare The Poca Valley Bank, Inc. with peers
Frequently asked about The Poca Valley Bank, Inc.
What are The Poca Valley Bank, Inc.'s total assets?
As of the Q2 2026 filing, The Poca Valley Bank, Inc. reported total assets of $666.2 million in its FFIEC call report.
Where is The Poca Valley Bank, Inc. headquartered?
It is headquartered in Walton, WV, United States.
When was The Poca Valley Bank, Inc. founded?
It was established in 1908, per the FDIC institution directory.
Is The Poca Valley Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11952). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Poca Valley Bank, Inc.?
The Poca Valley Bank, Inc.'s primary federal regulator is the FDIC.
What is The Poca Valley Bank, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.36% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Poca Valley Bank, Inc. operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Poca Valley Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 4.98% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Poca Valley Bank, Inc. previously called?
The charter now named The Poca Valley Bank, Inc. has also operated as The Poca Valley Bank, Inc. (1994), per FDIC structure-change records.
Go deeper on The Poca Valley Bank, Inc.
Get an email when The Poca Valley Bank, Inc. files its next call report, and benchmark it against any peer you choose.
Unlock The Poca Valley Bank, Inc., freeFree account