The Poca Valley Bank, Inc.: how it compares with its peers
Against 16 WV banks with half to twice its assets, The Poca Valley Bank, Inc.'s strongest measure in Q2 2026 is net interest margin (4.17% vs. a 3.84% peer median). Its weakest relative measure is assets per employee ($4.6M vs. $6.3M).
| Measure | The Poca Valley Bank, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.72% | 1.25% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.17% | 3.84% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 80.52% | 63.53% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $6.3M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.35% | 85.94% | Context |
What it means for lending operations
Its efficiency ratio of 80.52% is above the 63.53% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Putnam County Bank Hurricane, WV · $704M
- Jefferson Security Bank Shepherdstown, WV · $566M
- Citizens Bank of West Virginia, Inc. Elkins, WV · $772M
- Huntington Federal Savings Bank Huntington, WV · $532M
- CNB Bank, Inc. Berkeley Springs, WV · $806M
- Hancock County Savings Bank, F.S.B. Chester, WV · $508M
Questions about The Poca Valley Bank, Inc.
How big is The Poca Valley Bank, Inc.?
The Poca Valley Bank, Inc., established in 1908, is headquartered in Walton, WV. It reported $666M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is The Poca Valley Bank, Inc.'s return on assets?
0.72% annualized in Q2 2026, against a 1.25% median for 16 WV banks with half to twice its assets, ahead of 6% of them.
What is The Poca Valley Bank, Inc.'s efficiency ratio?
80.52% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 63.53%, and lower is better.
Is The Poca Valley Bank, Inc. growing its loans?
Net loans grew 8.2% over the year to Q2 2026, while deposits grew 4.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WV banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every West Virginia bank ranked.