The Poca Valley Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Poca Valley Bank, Inc. of Walton, WV against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.68% | 1.34% | -0.66% | 18th bottom |
| ROAE | 9.81% | 13.32% | -3.51% | 35th below |
| Net Interest Margin | 4.15% | 3.93% | +0.22% | 62nd above |
| Efficiency Ratio | 80.15% | 61.13% | +19.02% | 14th bottom |
| PPNR / Avg Assets | 0.87% | 1.68% | -0.81% | 17th bottom |
| Yield on Earning Assets | 5.70% | 5.67% | +0.03% | 55th above |
| Cost of Funds | 1.72% | 1.88% | -0.16% | 55th above |
| Net Interest Spread | 3.57% | 3.32% | +0.25% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.38% | 0.94% | -0.56% | 52nd above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.37% | 0.70% | -0.33% | 46th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.16% | -0.05% | 18th bottom |
| ACL / Total Loans | 0.58% | 1.28% | -0.70% | 4th bottom |
| ACL / NPLs (Coverage) | 154.89% | 1539.65% | -1384.76% | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.20% | 7.33% | -2.13% | 40th below |
| Provision / NCO | -40.23% | 1396.90% | -1437.13% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.36% | 19.51% | -8.15% | 11th bottom |
| Tier 1 Ratio | 11.36% | 19.54% | -8.18% | 11th bottom |
| Total Capital Ratio | 12.02% | 20.63% | -8.61% | 8th bottom |
| Leverage Ratio | 7.78% | 12.14% | -4.36% | 2nd bottom |
| Equity / Assets | 6.93% | 11.38% | -4.45% | 6th bottom |
| TCE / Tangible Assets | 6.93% | 11.10% | -4.17% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.84% | 80.63% | +3.21% | 43rd below |
| Core Deposit Ratio | 91.80% | 86.86% | +4.94% | 66th above |
| Wholesale Funding Ratio | 1.50% | 5.04% | -3.54% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.13% | 6.85% | -0.72% | 63rd above |
| Loan Growth (Y/Y) | 8.01% | 7.90% | +0.11% | 65th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.34% | 6.29% | -1.95% | 52nd above |
See The Poca Valley Bank, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Poca Valley Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Poca Valley Bank, Inc. profile, how to read a UBPR, or how this data updates.