The Poca Valley Bank, Inc. is a state-chartered bank headquartered in Walton, West Virginia, in business for about 118 years. At the end of Q2 2026 it reported $666.2M in total assets and $603.3M in deposits, with 9 offices.
Based on its Q2 2026 filing, The Poca Valley Bank, Inc. scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 33rd. Its strongest component is problem-loan coverage (90/100; 5.0%), and its lowest is capital cushion (28/100; 7.78%).
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
From Q2 2025 to Q2 2026, the score rose 3 points (58 → 61), mostly because the earnings component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 60 |
| Q4 2024 | 58 |
| Q1 2025 | 56 |
| Q2 2025 | 58 |
| Q3 2025 | 55 |
| Q4 2025 | 60 |
| Q1 2026 | 61 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.75% |
| Q3 2024 | 7.71% |
| Q4 2024 | 7.35% |
| Q1 2025 | 7.37% |
| Q2 2025 | 7.55% |
| Q3 2025 | 7.57% |
| Q4 2025 | 7.54% |
| Q1 2026 | 7.79% |
| Q2 2026 | 7.78% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.80% |
| Q4 2025 | 0.34% |
| Q1 2026 | 0.34% |
| Q2 2026 | 0.37% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.36% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.61% |
| Q4 2025 | 0.71% |
| Q1 2026 | 0.76% |
| Q2 2026 | 0.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $666.2M | 7.78% | 0.37% | 0.72% | 83.3% |
| Q1 2026 | 61 | $642.8M | 7.79% | 0.34% | 0.76% | 84.5% |
| Q4 2025 | 60 | $649.0M | 7.54% | 0.34% | 0.71% | 81.7% |
| Q3 2025 | 55 | $637.8M | 7.57% | 0.80% | 0.61% | 80.5% |
| Q2 2025 | 58 | $627.7M | 7.55% | 0.45% | 0.49% | 80.4% |
| Q1 2025 | 56 | $612.5M | 7.37% | 0.44% | 0.36% | 81.1% |
| Q4 2024 | 58 | $616.3M | 7.35% | 0.41% | 0.56% | 80.4% |
| Q3 2024 | 60 | $599.0M | 7.71% | 0.32% | 0.55% | 82.5% |
| Q2 2024 | 59 | $575.7M | 7.75% | 0.33% | 0.49% | 83.8% |
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 |
|---|---|---|---|---|---|
| Putnam County BankBank Hurricane, WV | 80 out of 100, Strong | $704.2M | 12.3% | 0.00% | vs |
| Jefferson Security BankBank Shepherdstown, WV | 69 out of 100, Moderate | $566.1M | 8.4% | 0.01% | vs |
| Citizens Bank of West Virginia, Inc.Bank Elkins, WV | 74 out of 100, Strong | $772.5M | 10.0% | 0.58% | vs |
| Huntington Federal Savings BankBank Huntington, WV | 77 out of 100, Strong | $532.3M | 15.1% | 0.29% | vs |
| CNB Bank, Inc.Bank Berkeley Springs, WV | 70 out of 100, Strong | $805.7M | 9.5% | 0.09% | vs |
| Hancock County Savings Bank, F.S.B.Bank Chester, WV | 79 out of 100, Strong | $508.0M | 18.4% | 0.63% | vs |
Deposit insurance
Is my money safe at The Poca Valley Bank, Inc.?
Yes. The Poca Valley Bank, Inc. is an FDIC-insured institution (FDIC certificate #11952). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.5% of deposits ($75.7M) 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 7.78%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.02% (benchmark: 10%).
9 locations
Branches
The Poca Valley Bank, Inc. lists 9 offices in 8 cities. Most locations:
- Charleston, WV (2)
- Clendenin, WV (1)
- Elkview, WV (1)
- Poca, WV (1)
- Sissonville, WV (1)
- Spencer, WV (1)
- Walton, WV (1)
- Winfield, WV (1)
HMDA 2025
Mortgage lending
In 2025, The Poca Valley Bank, Inc. reported 389 home-loan applications under HMDA (LEI 5493006IT65TMGZIKY68): 284 originated ($52,920,000 total), 44 denied, and 56 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.2%, 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
- The Poca Valley Bank, Inc.
- Former names
- The Poca Valley Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11952
- RSSD ID
- 851239
- Primary regulator
- FDIC
- Holding company
- Poca Valley Bankshares Inc the
- Established
- September 24, 1908
- Headquarters
- 7033 Charleston Rd, Walton, WV 25286
- Website
- www.pocavalleybank.com
- Employees
- 144
Quick answers
The Poca Valley Bank, Inc.: common questions
Is The Poca Valley Bank, Inc. FDIC insured?
Yes. The Poca Valley Bank, Inc. is an FDIC-insured institution (FDIC certificate #11952). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Poca Valley Bank, Inc.'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 The Poca Valley Bank, Inc. ever failed?
There is no failure record for FDIC certificate #11952 in the FDIC failed bank list.
How many branches does The Poca Valley Bank, Inc. have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Walton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wv National Guard Federal Credit UnionCredit union Charleston, WV | 98 out of 100, Very strong | $51.6M | 14.8% | 0.00% | vs |
| Clay County Bank, Inc.Bank Clay, WV | 91 out of 100, Very strong | $135.9M | 14.8% | 0.28% | vs |
| The State Credit UnionCredit union Charleston, WV | 90 out of 100, Very strong | $95.3M | 19.1% | 0.25% | vs |
| Charleston Federal Credit UnionCredit union Charleston, WV | 88 out of 100, Very strong | $15.5M | 14.8% | 0.75% | vs |
| West Virginia Federal Credit UnionCredit union South Charlesto, WV | 88 out of 100, Very strong | $141.6M | 18.5% | 0.74% | vs |
| Cha-Tel Federal Credit UnionCredit union Charleston, WV | 86 out of 100, Very strong | $11.5M | 13.6% | 0.04% | vs |