Powell Valley National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Powell Valley National Bank of Jonesville, VA against its peer group of 2603 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 | 3.68% | 1.34% | +2.34% | 98th top |
| ROAE | 36.53% | 13.31% | +23.22% | 99th top |
| Net Interest Margin | 3.91% | 3.93% | -0.02% | 48th below |
| Efficiency Ratio | 44.70% | 61.14% | -16.44% | 90th top |
| PPNR / Avg Assets | 3.98% | 1.68% | +2.30% | 98th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.65% | 5.67% | -0.02% | 52nd above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.86% | 1.88% | -0.02% | 46th below |
| Net Interest Spread | 3.18% | 3.32% | -0.14% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.94% | -0.89% | 78th top |
| NPA / Total Assets | 0.13% | 0.70% | -0.57% | 66th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 30th below |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 63rd above |
| ACL / NPLs (Coverage) | 2476.39% | 1545.61% | +930.78% | — |
| Texas Ratio | 2.24% | 7.34% | -5.10% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.76% | 19.49% | -5.73% | 36th below |
| Tier 1 Ratio | 13.76% | 19.52% | -5.76% | 36th below |
| Total Capital Ratio | 15.01% | 20.61% | -5.60% | 38th below |
| Leverage Ratio | 10.67% | 12.14% | -1.47% | 45th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.44% | 11.37% | -0.93% | 52nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.29% | 11.08% | -0.79% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.75% | 80.66% | +8.09% | 31st below |
| Core Deposit Ratio | 97.18% | 86.84% | +10.34% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.14% | 6.84% | +0.30% | 70th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.83% | 7.92% | -2.09% | 53rd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.24% | 6.29% | -0.05% | 66th above |
See Powell Valley National Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Powell Valley National Bank, 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 Powell Valley National Bank profile, how to read a UBPR, or how this data updates.