Powell Valley National Bank
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Data as of · sourced from FFIEC call reports. How we update
Powell Valley National Bank is an FDIC-insured commercial bank headquartered in Jonesville, VA, established in 1888 (FDIC certificate 6863), and it is supervised by the OCC. At Q2 2026 it reported total assets of $516.5M, up 7.1% from Q2 2025, the 38th largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 13.76% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6863
- Headquarters
- Jonesville, VA
- Established
- 1888
- Total assets, Q2 2026
- $516.5M
- Assets vs Q2 2025
- +7.1%
- CET1 ratio, Q2 2026
- 13.76%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 051403818
- Latest call report
- Q2 2026, FFIEC 041 · Powell Valley National Bank call report
- Holding company
- POWELL VALLEY BANKSHARES, INC.
- Asset rank in state
- 38th of 56 in Virginia
Powell Valley National Bank is one of the more profitable banks of its size. Based in Jonesville, Virginia, it had $516 million in assets at June 30, 2026, up 7.1% from a year earlier. It earns about $3.68 a year on every $100 of assets, about triple the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 45 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Its $46 million non-owner-occupied commercial real estate book is improving, with 0.77% past due or on nonaccrual, down from 2.00% a year earlier.
As of June 30, 2026, Powell Valley National Bank reported a CET1 capital ratio of 13.76%, a return on assets of 3.68%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 2.24%. The figures come from its call report filed with the FFIEC.
Powell Valley National Bank ranks as the 38th largest of the 56 banks based in Virginia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $516.5M, loans rose 1.0% and deposits fell 1.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 38.8% of total loans, followed by owner-occupied commercial real estate loans at 16.4%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities across 2 states; its Jonesville office books 28% of its branch deposits. Judged on its Q2 2026 call report, Powell Valley National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 33785 Main Street, Jonesville, VA 24263
- County
- Lee
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1888
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 100
- Domestic deposits
- $460.0M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- -$18K
- Average total assets
- $511.5M
- Average total loans
- $404.2M
- Average interest-bearing deposits
- $336.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6863
- Fed RSSD
- 31826
- Website
- www.powellvalleybank.com →
- Parent Holding Company
- POWELL VALLEY BANKSHARES, INC. (RSSD 1249271)
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
From Q3 2023 to Q2 2026, Powell Valley National Bank's total assets ranged from $469.2M (Q2 2024) to $518.0M (Q1 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
$516.5M total assets against $482.1M; $462.6M total liabilities against $436.2M.
$402.9M net loans and leases against $380.8M; $460.0M total deposits against $433.0M.
$31.6M securities against $36.1M; $56.0M cash and balances due against $41.0M.
$6.8M total interest income against $6.4M; $2.1M total interest expense against $2.4M.
$4.7M net interest income against $4.0M.
$4.5M total noninterest income against $598K; $4.1M total noninterest expense against $4.2M.
$150K provision for credit losses against $243K.
$4.7M net income against $89K.
3.68% return on assets against 0.07%; 3.91% net interest margin against 3.53%.
13.76% CET1 capital ratio against 12.69%; 10.67% tier 1 leverage ratio against 9.67%.
Inside the full Powell Valley National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePowell Valley National Bank rankings
Its closest position to the top of a national ranking is 28 of 3,611, for ROA; its furthest is 2,162 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.08% (Q4 2024) to 3.68% (Q2 2026) and its net interest margin ran from 3.07% (Q3 2024) to 3.91% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.76% | 3.68% | 0.21% | 2.24% | 3.91% |
| Q1 2026 | 12.40% | 0.79% | 0.35% | 3.32% | 3.73% |
| Q4 2025 | 13.54% | 0.79% | 0.04% | 0.33% | 3.78% |
| Q3 2025 | 13.22% | 0.73% | 0.24% | 1.76% | 3.50% |
| Q2 2025 | 12.69% | 0.07% | 0.11% | 1.05% | 3.53% |
| Q1 2025 | 13.00% | 0.46% | 0.21% | 1.78% | 3.22% |
| Q4 2024 | 13.04% | -0.08% | 0.32% | 2.43% | 3.20% |
| Q3 2024 | 13.10% | 0.38% | 0.35% | 2.66% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Powell Valley National Bank (main office) | Jonesville , VA | 24263 | $126.5M |
| Wise Branch | Wise , VA | 24293 | $85.5M |
| Big Stone Gap Branch | Big Stone Gap , VA | 24219 | $73.8M |
| Abingdon Branch | Abingdon , VA | 24211 | $64.0M |
| Kingsport Branch | Kingsport , TN | 37660 | $57.5M |
| Pennington Gap Branch | Pennington Gap , VA | 24277 | $32.1M |
| Duffield Branch | Duffield , VA | 24244 | $20.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 3 against individuals associated with it
- December 4, 1990, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Powell Valley National Bank
- May 14, 1990, OCC: Civil Money Penalty (CMP): Powell Valley National Bank
- Period: Most recent institution action December 4, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in VA, rank 51 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 146 applications, 108 loans originated, $31.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $401K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Powell Valley National Bank
What are Powell Valley National Bank's total assets?
As of the Q2 2026 filing, Powell Valley National Bank reported total assets of $516.5 million in its FFIEC call report.
Where is Powell Valley National Bank headquartered?
It is headquartered in Jonesville, VA, United States.
When was Powell Valley National Bank founded?
It was established in 1888, per the FDIC institution directory.
Is Powell Valley National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6863). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Powell Valley National Bank?
Powell Valley National Bank's primary federal regulator is the OCC.
What is Powell Valley National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.76% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Powell Valley National Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Powell Valley National Bank's Texas Ratio?
Its Texas Ratio is 2.24% 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.
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