Side-by-side · Q2 2026 data
The Poca Valley Bank, Inc. vs Putnam County Bank
Metric by metric
| Measure | The Poca Valley Bank, Inc. | Putnam County Bank |
|---|---|---|
| TellerScore | 61 | 80 (stronger) |
| Capital cushion | 28 | 73 (stronger) |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 49 | 59 (stronger) |
| Funding & liquidity | 77 (stronger) | 72 |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 20th | 77th |
| Total assets | $666.2M | $704.2M |
| Deposits / shares | $603.3M | $617.5M |
| Capital ratio | 7.78% | 12.32% (stronger) |
| Problem loans | 0.37% | 0.00% (stronger) |
| Net charge-offs | 0.07% | -0.03% (stronger) |
| Return on assets | 0.72% | 0.97% (stronger) |
| Loans ÷ deposits | 83.3% | 72.1% (stronger) |
| Uninsured deposits | 12.5% (stronger) | 29.3% |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 12.7% |
Putnam County Bank has the higher TellerScore (80 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The Poca Valley Bank, Inc. leads on 1 and Putnam County Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.