Side-by-side · Q2 2026 data
Potomac Bank vs The Poca Valley Bank, Inc.
Metric by metric
| Measure | Potomac Bank | The Poca Valley Bank, Inc. |
|---|---|---|
| TellerScore | 73 (stronger) | 61 |
| Capital cushion | 49 (stronger) | 28 |
| Loan quality | 97 (stronger) | 88 |
| Earnings | 76 (stronger) | 49 |
| Funding & liquidity | 59 | 77 (stronger) |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 53rd | 20th |
| Total assets | $980.2M | $666.2M |
| Deposits / shares | $847.9M | $603.3M |
| Capital ratio | 9.85% (stronger) | 7.78% |
| Problem loans | 0.08% (stronger) | 0.37% |
| Net charge-offs | 0.07% (stronger) | 0.07% |
| Return on assets | 1.40% (stronger) | 0.72% |
| Loans ÷ deposits | 90.5% | 83.3% (stronger) |
| Uninsured deposits | 24.5% | 12.5% (stronger) |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 13.2% |
Potomac Bank has the higher TellerScore (73 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Potomac Bank leads on 5 and The Poca Valley Bank, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.