Side-by-side · Q2 2026 data
Citizens Bank of West Virginia, Inc. vs The Poca Valley Bank, Inc.
Metric by metric
| Measure | Citizens Bank of West Virginia, Inc. | The Poca Valley Bank, Inc. |
|---|---|---|
| TellerScore | 74 (stronger) | 61 |
| Capital cushion | 50 (stronger) | 28 |
| Loan quality | 81 | 88 (stronger) |
| Earnings | 98 (stronger) | 49 |
| Funding & liquidity | 69 | 77 (stronger) |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 57th | 20th |
| Total assets | $772.5M | $666.2M |
| Deposits / shares | $678.7M | $603.3M |
| Capital ratio | 10.00% (stronger) | 7.78% |
| Problem loans | 0.58% | 0.37% (stronger) |
| Net charge-offs | 0.38% | 0.07% (stronger) |
| Return on assets | 1.95% (stronger) | 0.72% |
| Loans ÷ deposits | 89.1% | 83.3% (stronger) |
| Uninsured deposits | 16.8% | 12.5% (stronger) |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.2% |
Citizens Bank of West Virginia, Inc. has the higher TellerScore (74 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of West Virginia, Inc. leads on 3 and The Poca Valley Bank, Inc. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.