Powell Valley National Bank: how it compares with its peers
Against 14 VA banks with half to twice its assets, Powell Valley National Bank's strongest measure in Q2 2026 is return on assets (2.20% vs. a 1.24% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $6.6M).
| Measure | Powell Valley National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.20% | 1.24% | Top third Ahead of 86% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.79% | 4.13% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.11% | 60.91% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.6M | Bottom third Ahead of 21% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.59% | 82.62% | Context |
What it means for lending operations
Its efficiency ratio of 54.11% is better than the 60.91% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Select Bank Forest, VA · $524M
- Citizens Bank and Trust Company Blackstone, VA · $578M
- The Bank of Marion Marion, VA · $634M
- First Sentinel Bank Richlands, VA · $398M
- The Farmers Bank of Appomattox Appomattox, VA · $375M
- Pioneer Bank Stanley, VA · $372M
Questions about Powell Valley National Bank
How big is Powell Valley National Bank?
Powell Valley National Bank, established in 1888, is headquartered in Jonesville, VA. It reported $516M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Powell Valley National Bank's return on assets?
2.20% annualized in Q2 2026, against a 1.24% median for 14 VA banks with half to twice its assets, ahead of 86% of them.
What is Powell Valley National Bank's efficiency ratio?
54.11% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 60.91%, and lower is better.
Is Powell Valley National Bank growing its loans?
Net loans grew 5.8% over the year to Q2 2026, while deposits grew 6.2%.
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 VA 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 Virginia bank ranked.