Powell Valley National Bank: 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 19.35 percentage points in Q2 2026, from 213.08% to 193.74%. It was the largest change from Q1 2026 among the key lines here. Powell Valley National Bank ranks 26th of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 88.75% (Q2 2026). Powell Valley National Bank reported 88.75% on loan-to-deposit ratio for Q2 2026, 7.91 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $408.2M |
| Net loans and leases | $402.9M |
| Loans held for sale | $0 |
| Loans to total assets | 79.04% |
| Loan-to-deposit ratio | 88.75% |
| Net loans to equity capital | 7.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.62% |
| Multifamily (5+ residential) | 7.81% |
| Commercial and industrial | 4.86% |
| Consumer | 2.19% |
| Credit cards | 0.00% |
| Farm | 2.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 193.74% |
| Construction concentration (Tier 1 capital + allowance) | 64.22% |
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 | — |
| Interest income on loans | $6.2M |
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 | $339.0M | $437.8M | 28.71% | 5.83% | 3.16% |
| Q4 2023 | $340.3M | $445.5M | 28.04% | 5.42% | 2.94% |
| Q1 2024 | $351.4M | $434.5M | 27.65% | 5.61% | 3.09% |
| Q2 2024 | $359.5M | $422.5M | 26.90% | 5.33% | 3.20% |
| Q3 2024 | $367.6M | $428.0M | 26.23% | 5.68% | 2.91% |
| Q4 2024 | $368.1M | $445.6M | 26.07% | 6.04% | 2.95% |
| Q1 2025 | $377.3M | $433.5M | 25.44% | 6.09% | 2.71% |
| Q2 2025 | $385.7M | $433.0M | 24.69% | 5.90% | 2.41% |
| Q3 2025 | $379.6M | $431.9M | 26.53% | 6.36% | 2.60% |
| Q4 2025 | $398.2M | $464.3M | 27.09% | 5.46% | 2.44% |
| Q1 2026 | $404.0M | $465.8M | 27.09% | 5.14% | 2.27% |
| Q2 2026 | $408.2M | $460.0M | 27.62% | 4.86% | 2.19% |
Powell Valley National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Powell Valley National Bank, 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 Powell Valley National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6863) · FFIEC NIC profile (RSSD 31826)