Powell Valley National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 13.76% was up 136bps from the prior quarter. Powell Valley National Bank is a locally rooted FDIC-insured community bank based in Jonesville, VA. The Q2 2026 balance sheet stands at $516M in assets, including $408M in loans. Capital cushions are healthy: 13.76% CET1, 10.67% Tier 1 leverage. The bank posts a strong 3.68% ROA and 36.53% ROE. Asset quality is pristine, 0.05% NPLs and a 2.24% Texas Ratio. It operates 7 branches, primarily in Virginia.
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 0.05%, a Texas ratio of 2.24%, per financial data filed with the FFIEC.
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
- Offices
- 7 domestic
- Employees (FTE)
- 100
- Domestic deposits
- $460.0M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- -$18K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Powell Valley National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Powell Valley National Bank, freePowell Valley National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.76% | 3.68% | 0.05% | 2.24% | 3.91% |
| Q1 2026 | 12.40% | 0.79% | 0.04% | 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% | 0.10% | 1.78% | 3.22% |
| Q4 2024 | 13.04% | -0.08% | 0.12% | 2.43% | 3.20% |
| Q3 2024 | 13.10% | 0.38% | 0.12% | 2.66% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| 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
What the public regulatory sources show for Powell Valley National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 105 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Powell Valley National Bank headquartered?
Powell Valley National Bank is headquartered in Jonesville, VA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Powell Valley National Bank founded?
Powell Valley National Bank was established in 1888, per the FDIC institution directory.
Is Powell Valley National Bank FDIC-insured?
Yes. Powell Valley National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Powell Valley National Bank's CET1 capital ratio?
Powell Valley National Bank 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?
Powell Valley National Bank 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?
Powell Valley National Bank's Texas Ratio is 2.24% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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