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Powell Valley National Bank

$100M-$1B Specialty: Commercial VA FDIC cert 6863

Jonesville, VA

7 branches across VA · TN

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 23 in VA.
  • Deposits +6.2% year over year ($460.0M on the books).
  • Delinquency rate 0.21%.
  • Return on assets 2.20%.
  • Efficiency ratio 54.11% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.59% 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 23 in VA
View $100M-$1B leaderboard (VA) →

Powell Valley National Bank has 4 strengths but faces 3 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

  • + Revenue Diversifier: Top 5.8% in tier
  • + Profitability Leader: Top 6.7% in tier
  • + Efficiency Ratio 10.37% below tier average
  • + Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 19.5% in tier
  • - Credit Risk Growth: Bottom 22.2% in tier
  • - Net Interest Margin 0.20% below tier average
Get updates when Powell Valley National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $516.5M
+7.1% YoY -0.3% QoQ
+$129.9M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $402.9M
+5.8% YoY +1.0% QoQ
+$144.5M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
80%
Total Deposits ? $460.0M
+6.2% YoY -1.3% QoQ
+$133.2M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
76%
Return on Assets ? 2.20%
+724.7% YoY +187.5% QoQ
+0.88% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
Top 8.8% in tier
Net Interest Margin ? 3.79%
+11.5% YoY +2.9% QoQ
-0.20% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
42%
Efficiency Ratio ? 54.11%
-37.6% YoY -24.5% QoQ
-10.37% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
74%
Delinquency Rate ? 0.21%
+80.7% YoY -40.1% QoQ
-0.71% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
65%
Loan-to-Deposit Ratio ? 87.59%
-0.4% YoY +2.3% QoQ
+9.64% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
32%
Non-Interest-Bearing Deposit Share ? 25.21%
-0.7% YoY -3.3% QoQ
+3.18% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 0.25%
+132.5% YoY -26.2% QoQ
-0.42% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
55%
Tier 1 Capital Ratio ? 13.76%
+8.4% YoY +10.9% QoQ
-2.15% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
56%
Non-Interest Income / Assets ? 0.95%
+357.2% YoY
+0.39% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
Top 3.7% in tier

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 (VA) National Avg Tier Percentile
Noninterest-Bearing 25.2%
-0.2pp YoY
-0.9pp QoQ
 +3.1pp 22.1% 26.2% 22.2% 66%
Brokered Deposits 0.8%
+0.2pp YoY
0.0pp QoQ
 -7.1pp 7.9% 8.5% 8.5% 15%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 4.9%
-1.1pp YoY
-0.3pp QoQ
 -6.6pp 11.6% 11.0% 12.5% 20%
CRE 45.4%
+2.5pp YoY
-0.4pp QoQ
 +5.9pp 39.5% 46.9% 41.4% 63%
1-4 Family 39.3%
-0.9pp YoY
0.0pp QoQ
 +6.7pp 32.6% 32.6% 31.3% 69%
Consumer 2.2%
-0.2pp YoY
-0.1pp QoQ
 -1.9pp 4.1% 8.0% 5.0% 51%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 13.8%
+1.1pp YoY
+1.4pp QoQ
 -5.1pp 18.8% 17.2% 19.7% 37%
Leverage Ratio 10.7%
+1.0pp YoY
+0.8pp QoQ
 -1.5pp 12.2% 12.2% 12.6% 44%
Total Capital Ratio 15.0%
+1.1pp YoY
+1.4pp QoQ
 -4.9pp 19.9% 18.3% 20.8% 38%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 100
+2 (+2.0%) YoY
+6 (+6.4%) QoQ
 +41 58 1,956 482 87%
Assets per Employee ($) $5.2M
+5.0% YoY
-6.3% QoQ
 -$2.4M $7.5M $9.9M $8.8M 17%
Branch Count 7
0 YoY
0 QoQ
 +2 4 28 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 0.2%
-0.2pp QoQ
 -0.2pp 0.3% 0.2% 0.4% 59%
Nonaccrual 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.7% 1.0% 12%
Allowance Coverage 6.32x
-43.5% YoY
+68.9% QoQ
 -17.84x 24.15x 9.47x 20.23x 75%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 15%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 22.6%
+19.7pp YoY
+14.4pp QoQ
 +10.4pp 12.2% 12.0% 11.6% 93%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 55%
Net Income ($, YTD) $5.7M
+778.3% YoY
— QoQ
 +$3.1M $2.6M $137.1M $40.4M 91%

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 (2)

Revenue Diversifier

growth
#39 of 661 • Top 5.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.95%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.20%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Profitability Leader

growth
#45 of 661 • Top 6.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.20%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (2)

Credit Quality Pressure

risk
#246 of 1256 • Bottom 19.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.21%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#209 of 936 • Bottom 22.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

100
Non-Interest Income / Assets
revenue_mix
Value: 0.95%
Peer Median: 0.57%
#100 of 2643 Top 3.7% in $100M-$1B
234
Return on Assets
profitability
Value: 2.20%
Peer Median: 1.32%
#234 of 2643 Top 8.8% in $100M-$1B
536
Total Loans
size
Value: $402.87M
Peer Median: $258.35M
#536 of 2643 Top 20.2% in $100M-$1B
633
Total Deposits
size
Value: $459.96M
Peer Median: $326.73M
#633 of 2643 Top 23.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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