BlastPoint's Banking Scorecard
The Poca Valley Bank, Inc.
Community
Specialty: Commercial
WV
FDIC cert 11952
Walton, WV
1484
banks in Community tier nationally
10 in WV
View Community leaderboard (WV) →
The Poca Valley Bank, Inc. shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$649.3M
+5.4% YoY
+1.8% QoQ
|
-$742.2M |
$1.4B
+2.0% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$488.2M
+6.5% YoY
+3.3% QoQ
|
-$487.3M |
$975.5M
+2.4% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$597.3M
+4.7% YoY
+1.7% QoQ
|
-$567.3M |
$1.2B
+1.7% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
0.74%
+33.3% YoY
+21.5% QoQ
|
-0.42% |
1.16%
+17.2% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
3.87%
+8.9% YoY
+2.5% QoQ
|
+0.20% |
3.66%
+9.1% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
79.07%
-1.4% YoY
-2.1% QoQ
|
+16.44% |
62.63%
-5.3% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.34%
-18.1% YoY
-57.8% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
81.73%
+1.7% YoY
+1.6% QoQ
|
-1.33% |
83.06%
+0.3% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
27.55%
+9.9% YoY
+4.8% QoQ
|
+6.51% |
21.05%
-0.9% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.33%
-4.3% YoY
-48.7% QoQ
|
-0.17% |
0.50%
+20.3% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
11.26%
+1.7% YoY
-0.8% QoQ
|
+1.02% |
10.24%
-0.6% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.71%
-3.4% YoY
+23.5% QoQ
|
-0.03% |
0.74%
-1.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.55% · Tier avg: 21.05%
71
71th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.74%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
57
57th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
42
42th pctile
Loan-to-Deposit Ratio
Current: 81.73% · Tier avg: 83.06%
39
39th pctile
Tier 1 Capital Ratio
Current: 11.26% · Tier avg: 10.24%
29
29th pctile
Total Loans
Current: $488.2M · Tier avg: $975.5M
28
28th pctile
Total Deposits
Current: $597.3M · Tier avg: $1.2B
22
22th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.16%
21
21th pctile
Total Assets
Current: $649.3M · Tier avg: $1.4B
11
11th pctile
Efficiency Ratio
Current: 79.07% · Tier avg: 62.63%
Top Weaknesses
11
11th pctile
Efficiency Ratio
Current: 79.07% · Tier avg: 62.63%
21
21th pctile
Total Assets
Current: $649.3M · Tier avg: $1.4B
22
22th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.16%
28
28th pctile
Total Deposits
Current: $597.3M · Tier avg: $1.2B
29
29th pctile
Total Loans
Current: $488.2M · Tier avg: $975.5M
39
39th pctile
Tier 1 Capital Ratio
Current: 11.26% · Tier avg: 10.24%
42
42th pctile
Loan-to-Deposit Ratio
Current: 81.73% · Tier avg: 83.06%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
57
57th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
71
71th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.74%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.55% · Tier avg: 21.05%