BlastPoint's Banking Scorecard
Capon Valley Bank
Wardensville, WV
6 branches across VA · WV
Capon Valley Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.95% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 42.6% in tier
- - ROA 0.26% below tier average
- - Efficiency Ratio 5.68% above tier average
- - Delinquency Rate 0.50% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$239.7M
+6.6% YoY
+1.2% QoQ
|
-$146.4M |
$386.1M
+0.5% YoY
|
$1.2B
+2.9% YoY
|
$6.2B
+9.1% YoY
|
35% |
| Total Loans ? |
$174.7M
+10.5% YoY
+1.1% QoQ
|
-$81.1M |
$255.7M
+1.1% YoY
|
$864.0M
+4.3% YoY
|
$3.2B
+10.8% YoY
|
43% |
| Total Deposits ? |
$213.9M
+6.0% YoY
+1.1% QoQ
|
-$114.1M |
$328.0M
+0.1% YoY
|
$1.0B
+3.7% YoY
|
$4.8B
+8.2% YoY
|
38% |
| Return on Assets ? |
1.01%
+11.6% YoY
-2.0% QoQ
|
-0.26% |
1.27%
+12.9% YoY
|
0.95%
+29.1% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
4.89%
+13.3% YoY
+7.4% QoQ
|
+0.95% |
3.93%
+6.0% YoY
|
3.79%
+9.5% YoY
|
3.89%
+5.7% YoY
|
Top 9.1% in tier |
| Efficiency Ratio ? |
70.96%
-0.8% YoY
+2.8% QoQ
|
+5.68% |
65.29%
-4.5% YoY
|
70.57%
-7.5% YoY
|
66.95%
-4.1% YoY
|
30% |
| Delinquency Rate ? |
1.38%
+125.9% YoY
-6.1% QoQ
|
+0.50% |
0.89%
+18.8% YoY
|
0.74%
+24.2% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
81.66%
+4.3% YoY
+0.0% QoQ
|
+5.02% |
76.64%
+0.8% YoY
|
78.35%
+1.2% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
27.34%
+1.2% YoY
-2.4% QoQ
|
+5.32% |
22.02%
-1.0% YoY
|
26.63%
-0.0% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
1.01%
+134.3% YoY
-6.3% QoQ
|
+0.37% |
0.64%
+19.7% YoY
|
0.57%
+21.1% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
9.68%
-1.7% YoY
+1.0% QoQ
|
-6.15% |
15.83%
+1.5% YoY
|
14.22%
+0.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.2% in tier |
| Non-Interest Income / Assets ? |
0.14%
+2.6% YoY
-74.9% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.14%
-2.1% YoY
|
0.32%
+4.1% YoY
|
69% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.