Headquartered in Wardensville, West Virginia, Capon Valley Bank is a state-chartered bank with $244.2M in total assets and $218.4M in deposits as of Q2 2026. It operates 6 offices across 2 states. Its charter dates back to 1918.
Capon Valley Bank has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 34th. Problem-loan coverage contributes the most (79/100, 10.3%); capital cushion contributes the least (47/100, 9.67%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 61).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 65 |
| Q4 2024 | 66 |
| Q1 2025 | 67 |
| Q2 2025 | 62 |
| Q3 2025 | 60 |
| Q4 2025 | 58 |
| Q1 2026 | 59 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.76% |
| Q3 2024 | 10.04% |
| Q4 2024 | 9.92% |
| Q1 2025 | 9.86% |
| Q2 2025 | 9.73% |
| Q3 2025 | 9.63% |
| Q4 2025 | 9.59% |
| Q1 2026 | 9.68% |
| Q2 2026 | 9.67% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.65% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.61% |
| Q2 2025 | 1.18% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.27% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.78% |
| Q1 2025 | 0.90% |
| Q2 2025 | 0.94% |
| Q3 2025 | 0.97% |
| Q4 2025 | 1.03% |
| Q1 2026 | 1.01% |
| Q2 2026 | 1.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $244.2M | 9.67% | 1.27% | 1.16% | 80.8% |
| Q1 2026 | 59 | $239.7M | 9.68% | 1.37% | 1.01% | 81.7% |
| Q4 2025 | 58 | $236.8M | 9.59% | 1.46% | 1.03% | 81.6% |
| Q3 2025 | 60 | $235.1M | 9.63% | 1.27% | 0.97% | 79.7% |
| Q2 2025 | 62 | $232.9M | 9.73% | 1.18% | 0.94% | 75.3% |
| Q1 2025 | 67 | $224.9M | 9.86% | 0.61% | 0.90% | 78.3% |
| Q4 2024 | 66 | $221.9M | 9.92% | 0.63% | 0.78% | 78.9% |
| Q3 2024 | 65 | $212.5M | 10.04% | 0.65% | 0.74% | 80.4% |
| Q2 2024 | 69 | $218.8M | 9.76% | 0.20% | 0.74% | 77.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Williamstown Bank, Inc.Bank Williamstown, WV | 66 out of 100, Moderate | $236.7M | 10.1% | 0.37% | vs |
| The Bank of MonroeBank Union, WV | 85 out of 100, Very strong | $255.4M | 13.2% | 0.34% | vs |
| Davis Trust CompanyBank Elkins, WV | 53 out of 100, Below average | $274.9M | 8.5% | 0.66% | vs |
| Calhoun County Bank, Inc.Bank Grantsville, WV | 72 out of 100, Strong | $211.7M | 10.5% | 0.58% | vs |
| FNB Bank, Inc.Bank Romney, WV | 70 out of 100, Strong | $277.9M | 10.6% | 0.45% | vs |
| Mountain Valley Bank, N.A.Bank Elkins, WV | 87 out of 100, Very strong | $201.9M | 13.6% | 0.19% | vs |
Deposit insurance
Is my money safe at Capon Valley Bank?
Yes. Capon Valley Bank is an FDIC-insured institution (FDIC certificate #9998). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.3% of deposits ($37.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.67%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
Capon Valley Bank lists 6 offices in 6 cities across 2 states. Most locations:
- Baker, WV (1)
- Gore, VA (1)
- Moorefield, WV (1)
- Stephens City, VA (1)
- Wardensville, WV (1)
- Winchester, VA (1)
HMDA 2025
Mortgage lending
In 2025, Capon Valley Bank reported 87 home-loan applications under HMDA (LEI 254900JEEAUO1ZDBXW22): 83 originated ($14,785,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Capon Valley Bank
- Former names
- The Capon Valley Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9998
- RSSD ID
- 18836
- Primary regulator
- FDIC
- Holding company
- Highlands Bankshares Inc
- Established
- July 1, 1918
- Headquarters
- 2 W Main St, Wardensville, WV 26851
- Website
- www.caponvalleybank.com
- Employees
- 51
Quick answers
Capon Valley Bank: common questions
Is Capon Valley Bank FDIC insured?
Yes. Capon Valley Bank is an FDIC-insured institution (FDIC certificate #9998). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Capon Valley Bank's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Capon Valley Bank ever failed?
There is no failure record for FDIC certificate #9998 in the FDIC failed bank list.
How many branches does Capon Valley Bank have?
6 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Wardensville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Midway Federal Credit UnionCredit union Berryville, VA | 85 out of 100, Very strong | $9.7M | 23.6% | 0.00% | vs |
| City National Bank of West VirginiaBank Charleston, WV | 78 out of 100, Strong | $6.8B | 9.6% | 0.22% | vs |
| Dupont Community Credit UnionCredit union Waynesboro, VA | 76 out of 100, Strong | $2.1B | 10.9% | 0.33% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |
| The Bank of RomneyBank Romney, WV | 74 out of 100, Strong | $368.8M | 16.0% | 1.73% | vs |
| The First Bank and Trust CompanyBank Lebanon, VA | 72 out of 100, Strong | $4.3B | 10.1% | 0.28% | vs |