Powell Valley National Bank: 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: 497.47 percentage points lower than in Q1 2026, at 2476.39%. Among 56 Virginia banks, Powell Valley National Bank sits 5th from the top on return on assets, 3.68% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Powell Valley National Bank reported 3.68% on return on assets in Q2 2026, 2.43 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.76% |
| Tier 1 risk-based capital ratio | 13.76% |
| Total risk-based capital ratio | 15.01% |
| Tier 1 leverage ratio | 10.67% |
| Equity capital to assets | 10.44% |
| Tangible equity to tangible assets | 10.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 2.24% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 2476.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.68% |
| Return on equity | 36.53% |
| Net interest margin | 3.91% |
| Efficiency ratio | 44.70% |
| Yield on earning assets | 5.65% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.75% |
| Core deposits to total deposits | 97.18% |
| Brokered deposits to total deposits | 0.77% |
| Deposits to assets | 89.06% |
| Securities to assets | 6.12% |
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 | 13.64% | 13.64% | 14.89% | 9.39% | 0.30% |
| Q4 2023 | 13.64% | 13.64% | 14.89% | 9.24% | 0.03% |
| Q1 2024 | 13.36% | 13.36% | 14.61% | 9.40% | 0.42% |
| Q2 2024 | 13.18% | 13.18% | 14.43% | 9.72% | 0.44% |
| Q3 2024 | 13.10% | 13.10% | 14.35% | 9.86% | 0.38% |
| Q4 2024 | 13.04% | 13.04% | 14.29% | 9.55% | -0.08% |
| Q1 2025 | 13.00% | 13.00% | 14.25% | 9.55% | 0.46% |
| Q2 2025 | 12.69% | 12.69% | 13.94% | 9.67% | 0.07% |
| Q3 2025 | 13.22% | 13.22% | 14.47% | 9.73% | 0.73% |
| Q4 2025 | 13.54% | 13.54% | 14.79% | 9.65% | 0.79% |
| Q1 2026 | 12.40% | 12.40% | 13.65% | 9.87% | 0.79% |
| Q2 2026 | 13.76% | 13.76% | 15.01% | 10.67% | 3.68% |
Powell Valley National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Powell Valley National Bank, 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 Powell Valley National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6863) · FFIEC NIC profile (RSSD 31826)