The Poca Valley Bank, Inc.
Walton, WV
IDRSSD: 851239
Total Assets
$637.79M
Latest filing
Total Deposits
$587.58M
Latest filing
Net Interest Margin
3.87%
Profitability
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 | 09/24/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 25286 |
| State and County Number | 54087 |
| 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 | 133 |
| Domestic Offices | 8 |
| 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.pocavalleybank.com |
| Data Updated | 11/14/2025 |
| CERT | 11952 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $637.79M |
| Total Deposits | $587.58M |
| Total Liabilities | $594.91M |
| Total Equity Capital | $42.88M |
| Net Income | $1.34M |
| Net Loans and Leases | $472.81M |
| Assets Per Employee ($Millions) | $4.8M |
| Bank Premises and Fixed Assets | $18.50M |
| Cash and Balances due from Depository Institutions | $40.91M |
| Deposits Held in Domestic Offices | $587.58M |
Key Performance Ratios
| Return on Assets (ROA) | 0.84% |
| Return on Equity (ROE) | 12.82% |
| Net Interest Margin | 3.87% |
| Efficiency Ratio | 79.67% |
| Tier 1 Risk-Based Capital Ratio | 11.346% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.723% |
| Earning Assets to total Assets | 93.44% |
Income and Expense
| Total Interest Income | $8.36M |
| Total Noninterest Income | $1.53M |
| Total Interest Expense | $2.63M |
| Total Noninterest Expense | $5.78M |
| Net Interest Income | $5.73M |
| Pre-tax Net Operating Income | $1.59M |
| Provision for Credit Losses | $-118,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $255.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $9.07M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.32M |
| Total Liabilities and Capital | $637.79M |
Securities
| Securities | $79.80M |
| Available-for-sale debt securities | $79.80M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Poca Valley Bank, Inc.?
$637.79M as of the latest filing.
How much are The Poca Valley Bank, Inc.'s total deposits?
$587.58M in total deposits.
Where is The Poca Valley Bank, Inc. located?
Walton, WV.
What is the Net Interest Margin?
3.87%.
How many domestic offices does it operate?
8.
When was it established?
09/24/1908.
What is the Return on Assets (ROA)?
0.84%.
How much are total loans and leases?
$472.81M (latest filing).
What is the total interest income (latest filing)?
$8.36M.