BlastPoint's Banking Scorecard

The Poca Valley Bank, Inc.

$100M-$1B Specialty: Commercial WV FDIC cert 11952

Walton, WV

9 branches across WV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 32 in WV.
Deposits +4.3% year over year ($603.3M on the books).
Delinquency rate 0.37%.
Return on assets 0.72%.
Efficiency ratio 80.52% vs a 64.48% peer average.
Loan-to-deposit ratio 83.35% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 32 in WV

View $100M-$1B leaderboard (WV) →

The Poca Valley Bank, Inc. has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.18% above tier average
+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 43.5% in tier
- ROA 0.60% below tier average

Get updates when The Poca Valley Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$666.2M +6.1% YoY +3.6% QoQ	+$279.7M	$386.6M +1.2% YoY	$1.3B +5.7% YoY	$6.3B +7.7% YoY	Top 14.3% in tier
Total Loans ?	$502.9M +8.2% YoY +1.5% QoQ	+$244.5M	$258.3M +1.7% YoY	$899.3M +7.6% YoY	$3.2B +9.4% YoY	Top 11.2% in tier
Total Deposits ?	$603.3M +4.3% YoY +2.9% QoQ	+$276.6M	$326.7M +0.7% YoY	$1.1B +6.2% YoY	$4.9B +7.3% YoY	Top 12.0% in tier
Return on Assets ?	0.72% +45.7% YoY -5.7% QoQ	-0.60%	1.32% +10.8% YoY	1.06% +30.6% YoY	1.30% +12.1% YoY	20%
Net Interest Margin ?	4.17% +12.1% YoY -0.3% QoQ	+0.18%	3.99% +5.0% YoY	3.90% +8.7% YoY	3.95% +4.9% YoY	64%
Efficiency Ratio ?	80.52% -1.0% YoY +0.6% QoQ	+16.05%	64.48% -3.2% YoY	68.34% -7.3% YoY	70.05% +2.5% YoY	Bottom 13.2% in tier
Delinquency Rate ?	0.37% -18.5% YoY +7.5% QoQ	-0.55%	0.92% +15.7% YoY	0.74% +17.9% YoY	0.98% +16.3% YoY	53%
Loan-to-Deposit Ratio ?	83.35% +3.7% YoY -1.3% QoQ	+5.40%	77.95% +1.0% YoY	79.72% +2.0% YoY	79.03% +2.3% YoY	42%
Non-Interest-Bearing Deposit Share ?	25.31% -0.5% YoY -2.7% QoQ	+3.28%	22.03% -0.6% YoY	26.43% -1.4% YoY	21.98% -0.6% YoY	67%
Nonperforming Asset Ratio ?	0.37% -2.6% YoY +6.4% QoQ	-0.30%	0.67% +16.4% YoY	0.55% +10.4% YoY	0.69% +15.8% YoY	47%
Tier 1 Capital Ratio ?	11.36% +0.4% YoY -0.1% QoQ	-4.55%	15.91% +1.4% YoY	14.02% -0.7% YoY	17.09% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.35% +3.4% YoY +107.7% QoQ	-0.22%	0.57% +7.6% YoY	0.30% +5.9% YoY	0.66% +5.2% YoY	80%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Noninterest-Bearing	25.3% -0.1pp YoY -0.7pp QoQ	+3.2pp	22.1%	27.1%	22.2%	67%
Brokered Deposits	0.1% 0.0pp QoQ	-7.8pp	7.9%	3.0%	8.5%	6%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
C&I	14.3% -0.3pp YoY +0.3pp QoQ	+2.7pp	11.6%	7.1%	12.5%	74%
CRE	20.9% -0.7pp YoY -0.2pp QoQ	-18.6pp	39.5%	33.8%	41.4%	20%
1-4 Family	55.2% +2.6pp YoY +0.1pp QoQ	+22.6pp	32.6%	52.8%	31.3%	87%
Consumer	9.3% -1.6pp YoY -0.2pp QoQ	+5.2pp	4.1%	7.9%	5.0%	91%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
CET1 Ratio	11.4% 0.0pp YoY 0.0pp QoQ	-7.5pp	18.8%	17.1%	19.7%	11%
Leverage Ratio	7.8% +0.2pp YoY 0.0pp QoQ	-4.4pp	12.2%	11.6%	12.6%	1%
Total Capital Ratio	12.0% -0.2pp YoY 0.0pp QoQ	-7.9pp	19.9%	18.1%	20.8%	7%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Full-Time Employees	144 +11 (+8.3%) YoY +5 (+3.6%) QoQ	+85	58	161	482	97%
Assets per Employee ($)	$4.6M -2.0% YoY 0.0% QoQ	-$2.9M	$7.5M	$6.1M	$8.8M	10%
Branch Count	9 +1 (+12.5%) YoY +1 (+12.5%) QoQ	+4	4	13	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.4%	20%
Nonaccrual	0.4% -0.1pp YoY 0.0pp QoQ	-0.6pp	0.9%	0.7%	1.0%	43%
Allowance Coverage	1.58x -8.7% YoY -11.4% QoQ	-22.57x	24.15x	6.60x	20.23x	41%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	72%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
ROE	10.4% +2.6pp YoY -0.6pp QoQ	-1.8pp	12.2%	10.6%	11.6%	39%
Cost of Funds (YTD)	1.6% -0.3pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.5%	1.7%	40%
Net Income ($, YTD)	$2.4M +53.6% YoY — QoQ	-$203K	$2.6M	$9.0M	$40.4M	59%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk

#158 of 361 • Bottom 43.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.52%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

296

Total Loans

size

Value: $502.88M

Peer Median: $258.35M

#296 of 2643 Top 11.2% in $100M-$1B

318

Total Deposits

size

Value: $603.33M

Peer Median: $326.73M

#318 of 2643 Top 12.0% in $100M-$1B

380

Total Assets

size

Value: $666.23M

Peer Median: $386.57M

#380 of 2643 Top 14.3% in $100M-$1B

539

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.57%

#539 of 2643 Top 20.4% in $100M-$1B

Top Weaknesses (2 metrics)

2296

Efficiency Ratio

profitability

Value: 80.52%

Peer Median: 64.48%

#2296 of 2643 Bottom 13.2% in $100M-$1B

2119

Return on Assets

profitability

Value: 0.72%

Peer Median: 1.32%

#2119 of 2643 Bottom 19.9% in $100M-$1B