Capon Valley Bank
Wardensville, WV
IDRSSD: 18836
Total Assets
$236.76M
Latest filing
Total Deposits
$211.64M
Latest filing
Net Interest Margin
4.86%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Capon Valley Bank
2 W Main St
Wardensville, WV 26851
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/01/1918FDIC Certificate 6391
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Capon Valley Bank (Main) | 2 W Main St | Wardensville, WV |
| MOOREFIELD BRANCH | 717 N Main St | Moorefield, WV |
| BAKER BRANCH | 17558 Old Route 55 | Baker, WV |
| WESTERN FREDERICK BRANCH | 6701 Northwestern Pike | Gore, VA |
| CAPON VALLEY BANK - STEPHENS CITY BRANCH | 5511 Main St | Stephens City, VA |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/01/1918 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 26851 |
| State and County Number | 54031 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 49 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.caponvalleybank.com |
| Data Updated | 01/30/2026 |
| CERT | 9998 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $236.76M |
| Total Deposits | $211.64M |
| Total Liabilities | $214.63M |
| Total Equity Capital | $22.14M |
| Net Income | $708.00k |
| Net Loans and Leases | $172.81M |
| Assets Per Employee ($Millions) | $4.74M |
| Bank Premises and Fixed Assets | $6.87M |
| Cash and Balances due from Depository Institutions | $12.71M |
| Deposits Held in Domestic Offices | $211.64M |
Key Performance Ratios
| Return on Assets (ROA) | 1.2% |
| Return on Equity (ROE) | 12.95% |
| Net Interest Margin | 4.86% |
| Efficiency Ratio | 65.06% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.27% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.35% |
| Earning Assets to total Assets | 92.4% |
Income and Expense
| Total Interest Income | $3.40M |
| Total Noninterest Income | $332.00k |
| Total Interest Expense | $741.00k |
| Total Noninterest Expense | $1.95M |
| Net Interest Income | $2.66M |
| Pre-tax Net Operating Income | $884.00k |
| Provision for Credit Losses | $161.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $12.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.98M |
| Total Liabilities and Capital | $236.76M |
Securities
| Securities | $35.47M |
| Available-for-sale debt securities | $35.47M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Capon Valley Bank?
$236.76M as of the latest filing.
How much are Capon Valley Bank's total deposits?
$211.64M in total deposits.
Where is Capon Valley Bank located?
Wardensville, WV.
What is the Net Interest Margin?
4.86%.
How many domestic offices does it operate?
5.
When was it established?
07/01/1918.
What is the Return on Assets (ROA)?
1.2%.
How much are total loans and leases?
$172.81M (latest filing).
What is the total interest income (latest filing)?
$3.40M.