Side-by-side · Q2 2026 data
Pendleton Community Bank, Inc. vs The Poca Valley Bank, Inc.
Metric by metric
| Measure | Pendleton Community Bank, Inc. | The Poca Valley Bank, Inc. |
|---|---|---|
| TellerScore | 61 | 61 |
| Capital cushion | 37 (stronger) | 28 |
| Loan quality | 72 | 88 (stronger) |
| Earnings | 69 (stronger) | 49 |
| Funding & liquidity | 62 | 77 (stronger) |
| Problem-loan coverage | 85 | 90 (stronger) |
| Peer percentile | 20th | 20th |
| Total assets | $849.7M | $666.2M |
| Deposits / shares | $718.6M | $603.3M |
| Capital ratio | 8.67% (stronger) | 7.78% |
| Problem loans | 0.85% | 0.37% (stronger) |
| Net charge-offs | 0.22% | 0.07% (stronger) |
| Return on assets | 1.23% (stronger) | 0.72% |
| Loans ÷ deposits | 98.2% | 83.3% (stronger) |
| Uninsured deposits | 14.7% | 12.5% (stronger) |
| Offices | 15 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | 13.2% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Pendleton Community Bank, Inc. leads on 2 and The Poca Valley Bank, Inc. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.