BlastPoint's Banking Scorecard

The Poca Valley Bank, Inc.

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

Walton, WV

8 branches across WV

2664 banks in the $100M-$1B peer group nationally 33 in 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 0.25% above tier average
+ Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

- ROA 0.50% below tier average
- Efficiency Ratio 14.77% above tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$642.8M +4.9% YoY -1.0% QoQ	+$256.7M	$386.1M +0.5% YoY	$1.2B +2.9% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$495.4M +8.1% YoY +1.5% QoQ	+$239.7M	$255.7M +1.1% YoY	$864.0M +4.3% YoY	$3.2B +10.8% YoY	Top 11.4% in tier
Total Deposits ?	$586.4M +3.8% YoY -1.8% QoQ	+$258.5M	$328.0M +0.1% YoY	$1.0B +3.7% YoY	$4.8B +8.2% YoY	Top 13.3% in tier
Return on Assets ?	0.76% +109.6% YoY +7.8% QoQ	-0.50%	1.27% +12.9% YoY	0.95% +29.1% YoY	1.23% +13.4% YoY	24%
Net Interest Margin ?	4.18% +14.9% YoY +8.3% QoQ	+0.25%	3.93% +6.0% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	80.06% -2.2% YoY +1.2% QoQ	+14.77%	65.29% -4.5% YoY	70.57% -7.5% YoY	66.95% -4.1% YoY	16%
Delinquency Rate ?	0.34% -22.8% YoY +1.1% QoQ	-0.54%	0.89% +18.8% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	84.48% +4.2% YoY +3.4% QoQ	+7.84%	76.64% +0.8% YoY	78.35% +1.2% YoY	76.70% +0.9% YoY	36%
Non-Interest-Bearing Deposit Share ?	26.01% +5.7% YoY -5.6% QoQ	+3.99%	22.02% -1.0% YoY	26.63% -0.0% YoY	22.01% -1.2% YoY	70%
Nonperforming Asset Ratio ?	0.35% -7.3% YoY +5.2% QoQ	-0.29%	0.64% +19.7% YoY	0.57% +21.1% YoY	0.67% +19.3% YoY	47%
Tier 1 Capital Ratio ?	11.37% +1.1% YoY +1.5% QoQ	-4.46%	15.83% +1.5% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.17% -5.7% YoY -76.2% QoQ	-0.11%	0.28% +9.3% YoY	0.14% -2.1% YoY	0.32% +4.1% YoY	79%

Get Full Access to The Poca Valley Bank, Inc.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

305

Total Loans

size

Value: $495.41M

Peer Median: $255.72M

#305 of 2664 Top 11.4% in $100M-$1B

355

Total Deposits

size

Value: $586.45M

Peer Median: $327.97M

#355 of 2664 Top 13.3% in $100M-$1B

433

Total Assets

size

Value: $642.78M

Peer Median: $386.08M

#433 of 2664 Top 16.2% in $100M-$1B

562

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#562 of 2664 Top 21.1% in $100M-$1B

Top Weaknesses (2 metrics)

2251

Efficiency Ratio

profitability

Value: 80.06%

Peer Median: 65.29%

#2251 of 2664 Bottom 15.5% in $100M-$1B

2025

Return on Assets

profitability

Value: 0.76%

Peer Median: 1.27%

#2025 of 2664 Bottom 24.0% in $100M-$1B