TellerScore

Headquartered in Jonesville, Virginia, Powell Valley National Bank is a national bank with $516.5M in total assets and $460.0M in deposits as of Q2 2026. It operates 7 offices across 2 states. Its charter dates back to 1888.

Powell Valley National Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in Virginia, it ranks 15th. Earnings contributes the most (100/100, 2.20%); funding & liquidity contributes the least (56/100, 88% loans-to-deposits, 30% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.67%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.21%
Earnings100/100
Return on assets (annualized): 2.20%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 87.6% · 30.4% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.21%

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

From Q2 2025 to Q2 2026, the score rose 15 points (63 → 78), mostly because the earnings component improved by 69 points.

TellerScore
617078Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202462
Q4 202461
Q1 202563
Q2 202563
Q3 202563
Q4 202565
Q1 202665
Q2 202678
Tier 1 leverage ratio
5.00%7.84%10.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.72%
Q3 20249.86%
Q4 20249.55%
Q1 20259.55%
Q2 20259.67%
Q3 20259.73%
Q4 20259.65%
Q1 20269.87%
Q2 202610.67%
Noncurrent loans
0.04%0.20%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.17%
Q3 20240.35%
Q4 20240.32%
Q1 20250.21%
Q2 20250.11%
Q3 20250.24%
Q4 20250.04%
Q1 20260.35%
Q2 20260.21%
Return on assets
0.27%1.24%2.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.41%
Q4 20240.28%
Q1 20250.46%
Q2 20250.27%
Q3 20250.42%
Q4 20250.52%
Q1 20260.77%
Q2 20262.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$516.5M10.67%0.21%2.20%87.6%
Q1 202665$518.0M9.87%0.35%0.77%85.6%
Q4 202565$517.6M9.65%0.04%0.52%84.7%
Q3 202563$484.3M9.73%0.24%0.42%86.8%
Q2 202563$482.1M9.67%0.11%0.27%87.9%
Q1 202563$482.2M9.55%0.21%0.46%86.0%
Q4 202461$493.2M9.55%0.32%0.28%81.6%
Q3 202462$476.6M9.86%0.35%0.41%84.8%
Q2 202464$469.2M9.72%0.17%0.43%84.0%

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).

Capital ratio10.67%
44th
Total risk-based capital15.01%
68th
Problem loans0.21%
64th
Net charge-offs-0.01%
88th
Return on assets2.20%
91st
Net interest margin3.79%
42nd
Efficiency ratio54.1%
74th
Loans to deposits87.6%
32nd
Uninsured deposits30.4%
27th
Loan-loss reserves1.31%
64th
Texas ratio2.2%
56th

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Select BankBank Forest, VA59 out of 100, Moderate$524.4M9.5%1.06%vs
Citizens Bank and Trust CompanyBank Blackstone, VA97 out of 100, Very strong$577.6M15.4%0.23%vs
The Bank of MarionBank Marion, VA71 out of 100, Strong$634.1M11.4%1.12%vs
First Sentinel BankBank Richlands, VA67 out of 100, Moderate$398.0M10.0%0.11%vs
The Farmers Bank of AppomattoxBank Appomattox, VA76 out of 100, Strong$374.6M12.6%0.59%vs
Pioneer BankBank Stanley, VA84 out of 100, Strong$371.8M12.0%0.03%vs

Deposit insurance

Is my money safe at Powell Valley National Bank?

Yes. Powell Valley National Bank is an FDIC-insured institution (FDIC certificate #6863). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.4% of deposits ($140.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.67%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.01% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Powell Valley National Bank lists 7 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Powell Valley National Bank reported 144 home-loan applications under HMDA (LEI 254900GBKSHEUZ4PGG08): 108 originated ($31,580,000 total), 19 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.0%, 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
Powell Valley National Bank
Former names
The Powell Valley National Bank of Jonesville
Type
National bank
FDIC certificate #
6863
RSSD ID
31826
Primary regulator
OCC
Holding company
Powell Valley Bankshares Inc
Established
January 1, 1888
Headquarters
33785 Main Street, Jonesville, VA 24263
Employees
100

Quick answers

Powell Valley National Bank: common questions

Is Powell Valley National Bank FDIC insured?

Yes. Powell Valley National Bank is an FDIC-insured institution (FDIC certificate #6863). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Powell Valley National Bank's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Powell Valley National Bank ever failed?

There is no failure record for FDIC certificate #6863 in the FDIC failed bank list.

How many branches does Powell Valley National Bank have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Jonesville

InstitutionScoreAssetsCapitalProblem loansCompare
Kingsport Press Credit UnionCredit union Kingsport, TN92 out of 100, Very strong$95.6M16.4%0.40%vs
Eastman Credit UnionCredit union Kingsport, TN91 out of 100, Very strong$10.2B14.9%0.31%vs
Farmers and Miners BankBank Pennington Gap, VA89 out of 100, Very strong$193.2M13.3%0.32%vs
Lee Bank and Trust CompanyBank Pennington Gap, VA82 out of 100, Strong$257.3M14.1%1.37%vs
Commercial BankBank Harrogate, TN77 out of 100, Strong$2.4B11.6%0.35%vs
TruPoint BankBank Grundy, VA77 out of 100, Strong$690.8M10.6%0.02%vs