The Poca Valley Bank, Inc.
Walton, WV
IDRSSD: 851239
Total Assets
$649.26M
Latest filing
Total Deposits
$597.29M
Latest filing
Net Interest Margin
4.14%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Poca Valley Bank, Inc.
7033 Charleston Rd
Walton, WV 25286
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/24/1908FDIC Certificate 7628
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Poca Valley Bank, Inc. (Main) | 7033 Charleston Rd | Walton, WV |
| CLENDENIN BRANCH | 545 Spencer Rd | Clendenin, WV |
| ELKVIEW BRANCH | 5087 Elk River Rd N | Elkview, WV |
| SISSONVILLE BRANCH | 6420 Sissonville Dr | Sissonville, WV |
| POCA FOODFAIR SUPERMARKET BRANCH | Route 62, Main Street | Poca, WV |
| WINFIELD BRANCH | 12737 Winfield Rd | Winfield, WV |
| SPENCER BRANCH | 1 Black Walnut Ave | Spencer, WV |
| KANAWHA CITY BRANCH | 3800 Maccorkle Ave Se | Charleston, WV |
Showing 7 of 7
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 | 01/30/2026 |
| CERT | 11952 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $649.26M |
| Total Deposits | $597.29M |
| Total Liabilities | $604.45M |
| Total Equity Capital | $44.81M |
| Net Income | $1.82M |
| Net Loans and Leases | $488.19M |
| Assets Per Employee ($Millions) | $4.77M |
| Bank Premises and Fixed Assets | $21.68M |
| Cash and Balances due from Depository Institutions | $22.98M |
| Deposits Held in Domestic Offices | $597.29M |
Key Performance Ratios
| Return on Assets (ROA) | 1.13% |
| Return on Equity (ROE) | 16.57% |
| Net Interest Margin | 4.14% |
| Efficiency Ratio | 74.4% |
| Tier 1 Risk-Based Capital Ratio | 11.26% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.902% |
| Earning Assets to total Assets | 92.92% |
Income and Expense
| Total Interest Income | $8.73M |
| Total Noninterest Income | $939.00k |
| Total Interest Expense | $2.52M |
| Total Noninterest Expense | $5.32M |
| Net Interest Income | $6.21M |
| Pre-tax Net Operating Income | $1.95M |
| Provision for Credit Losses | $-121,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $465.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.99M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.16M |
| Total Liabilities and Capital | $649.26M |
Securities
| Securities | $91.68M |
| Available-for-sale debt securities | $91.68M |
| 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 The Poca Valley Bank, Inc.?
$649.26M as of the latest filing.
How much are The Poca Valley Bank, Inc.'s total deposits?
$597.29M in total deposits.
Where is The Poca Valley Bank, Inc. located?
Walton, WV.
What is the Net Interest Margin?
4.14%.
How many domestic offices does it operate?
8.
When was it established?
09/24/1908.
What is the Return on Assets (ROA)?
1.13%.
How much are total loans and leases?
$488.19M (latest filing).
What is the total interest income (latest filing)?
$8.73M.