BlastPoint's Banking Scorecard
Powell Valley National Bank
Community
Specialty: Commercial
VA
FDIC cert 6863
Jonesville, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
Powell Valley National Bank 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 (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$517.6M
+4.9% YoY
+6.9% QoQ
|
-$873.8M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$393.1M
+8.2% YoY
+4.9% QoQ
|
-$582.3M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$464.3M
+4.2% YoY
+7.5% QoQ
|
-$700.3M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.52%
+82.6% YoY
+22.4% QoQ
|
-0.65% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.54%
+16.6% YoY
+2.6% QoQ
|
-0.13% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
79.11%
-7.6% YoY
-4.7% QoQ
|
+16.47% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.04%
-86.2% YoY
-81.5% QoQ
|
-0.58% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Top 11% in tier |
| Loan-to-Deposit Ratio ? |
84.67%
+3.8% YoY
-2.4% QoQ
|
+1.61% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
25.35%
+0.2% YoY
-5.0% QoQ
|
+4.31% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.03%
-85.8% YoY
-81.9% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? |
13.54%
+3.9% YoY
+2.4% QoQ
|
+3.30% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.46%
+15.7% YoY
+39.0% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
43% |
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
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.35% · Tier avg: 21.05%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.54% · Tier avg: 10.24%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.67% · Tier avg: 83.06%
43
43th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.66%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
13
13th pctile
Total Loans
Current: $393.1M · Tier avg: $975.5M
12
12th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.16%
11
11th pctile
Efficiency Ratio
Current: 79.11% · Tier avg: 62.63%
7
7th pctile
Total Deposits
Current: $464.3M · Tier avg: $1.2B
3
3th pctile
Total Assets
Current: $517.6M · Tier avg: $1.4B
Top Weaknesses
3
3th pctile
Total Assets
Current: $517.6M · Tier avg: $1.4B
7
7th pctile
Total Deposits
Current: $464.3M · Tier avg: $1.2B
11
11th pctile
Efficiency Ratio
Current: 79.11% · Tier avg: 62.63%
12
12th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.16%
13
13th pctile
Total Loans
Current: $393.1M · Tier avg: $975.5M
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
43
43th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.66%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.67% · Tier avg: 83.06%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.54% · Tier avg: 10.24%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.35% · Tier avg: 21.05%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%