The Poca Valley Bank, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 41.25 percentage points lower than in Q1 2026, at 154.89%. The Poca Valley Bank, Inc. ranks 34th of 41 West Virginia banks on return on assets, in the lower half at 0.68% (Q2 2026). The Poca Valley Bank, Inc. reported 0.68% on return on assets for Q2 2026, 0.58 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.36% |
| Tier 1 risk-based capital ratio | 11.36% |
| Total risk-based capital ratio | 12.02% |
| Tier 1 leverage ratio | 7.78% |
| Equity capital to assets | 6.93% |
| Tangible equity to tangible assets | 6.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.38% |
| Non-performing assets ratio | 0.37% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 5.20% |
| Allowance for credit losses to loans | 0.58% |
| Reserve coverage of non-performing loans | 154.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.68% |
| Return on equity | 9.81% |
| Net interest margin | 4.15% |
| Efficiency ratio | 80.15% |
| Yield on earning assets | 5.70% |
| Cost of funds | 1.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.84% |
| Core deposits to total deposits | 91.80% |
| Brokered deposits to total deposits | 0.08% |
| Deposits to assets | 90.56% |
| Securities to assets | 13.77% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.32% | 11.32% | 12.15% | 8.08% | 0.37% |
| Q4 2023 | 11.30% | 11.30% | 12.18% | 7.89% | -0.12% |
| Q1 2024 | 11.13% | 11.13% | 12.06% | 7.78% | 0.28% |
| Q2 2024 | 11.29% | 11.29% | 12.21% | 7.75% | 0.69% |
| Q3 2024 | 11.70% | 11.70% | 12.60% | 7.71% | 0.66% |
| Q4 2024 | 11.08% | 11.08% | 11.86% | 7.35% | 0.57% |
| Q1 2025 | 11.25% | 11.25% | 12.14% | 7.37% | 0.36% |
| Q2 2025 | 11.31% | 11.31% | 12.20% | 7.55% | 0.62% |
| Q3 2025 | 11.35% | 11.35% | 12.15% | 7.57% | 0.84% |
| Q4 2025 | 11.21% | 11.21% | 11.93% | 7.54% | 0.97% |
| Q1 2026 | 11.37% | 11.37% | 12.06% | 7.79% | 0.76% |
| Q2 2026 | 11.36% | 11.36% | 12.02% | 7.78% | 0.68% |
The Poca Valley Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Poca Valley Bank, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)