The Poca Valley Bank, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 8.56 percentage points in Q2 2026, from 164.41% to 155.85%. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, The Poca Valley Bank, Inc. is 20th of 41 on loan-to-deposit ratio, 83.84% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Poca Valley Bank, Inc. sits 3.00 points higher, at 83.84% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $505.8M |
| Net loans and leases | $502.9M |
| Loans held for sale | $210K |
| Loans to total assets | 75.92% |
| Loan-to-deposit ratio | 83.84% |
| Net loans to equity capital | 10.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.89% |
| Multifamily (5+ residential) | 2.20% |
| Commercial and industrial | 14.22% |
| Consumer | 9.26% |
| Credit cards | 0.58% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 155.85% |
| Construction concentration (Tier 1 capital + allowance) | 52.80% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.16% |
| Interest income on loans | $7.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $423.4M | $482.3M | 14.76% | 17.77% | 11.09% |
| Q4 2023 | $428.3M | $496.1M | 14.56% | 15.99% | 11.25% |
| Q1 2024 | $438.8M | $514.0M | 14.21% | 16.08% | 11.37% |
| Q2 2024 | $448.2M | $530.6M | 13.70% | 15.75% | 11.69% |
| Q3 2024 | $457.7M | $550.2M | 14.90% | 15.17% | 11.53% |
| Q4 2024 | $461.8M | $570.6M | 14.09% | 15.18% | 11.32% |
| Q1 2025 | $461.7M | $564.9M | 13.76% | 14.77% | 11.07% |
| Q2 2025 | $468.3M | $578.2M | 13.17% | 14.50% | 10.87% |
| Q3 2025 | $476.2M | $587.6M | 12.81% | 13.82% | 10.47% |
| Q4 2025 | $491.4M | $597.3M | 13.16% | 13.62% | 9.91% |
| Q1 2026 | $498.5M | $586.4M | 12.44% | 13.92% | 9.46% |
| Q2 2026 | $505.8M | $603.3M | 12.89% | 14.22% | 9.26% |
The Poca Valley Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Poca Valley Bank, Inc., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Poca Valley Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11952) · FFIEC NIC profile (RSSD 851239)