BlastPoint's Banking Scorecard

Capon Valley Bank

$100M-$1B Specialty: Commercial WV FDIC cert 9998

Wardensville, WV

6 branches across VA · 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 ($218.4M on the books).
Delinquency rate 1.29%.
Return on assets 1.16%.
Efficiency ratio 67.97% vs a 64.48% peer average.
Loan-to-deposit ratio 80.76% 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) →

Capon Valley Bank has 1 strength but faces 4 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 0.98% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 30.1% in tier
- Credit Quality Pressure: Bottom 48.1% in tier
- ROA 0.16% below tier average
- Efficiency Ratio 3.49% above tier average

Get updates when Capon Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$244.2M +4.9% YoY +1.9% QoQ	-$142.4M	$386.6M +1.2% YoY	$1.3B +5.7% YoY	$6.3B +7.7% YoY	35%
Total Loans ?	$176.4M +11.9% YoY +1.0% QoQ	-$81.9M	$258.3M +1.7% YoY	$899.3M +7.6% YoY	$3.2B +9.4% YoY	42%
Total Deposits ?	$218.4M +4.3% YoY +2.1% QoQ	-$108.3M	$326.7M +0.7% YoY	$1.1B +6.2% YoY	$4.9B +7.3% YoY	38%
Return on Assets ?	1.16% +24.3% YoY +15.3% QoQ	-0.16%	1.32% +10.8% YoY	1.06% +30.6% YoY	1.30% +12.1% YoY	45%
Net Interest Margin ?	4.97% +14.5% YoY +1.7% QoQ	+0.98%	3.99% +5.0% YoY	3.90% +8.7% YoY	3.95% +4.9% YoY	Top 8.4% in tier
Efficiency Ratio ?	67.97% -4.4% YoY -4.2% QoQ	+3.49%	64.48% -3.2% YoY	68.34% -7.3% YoY	70.05% +2.5% YoY	35%
Delinquency Rate ?	1.29% +8.2% YoY -6.8% QoQ	+0.37%	0.92% +15.7% YoY	0.74% +17.9% YoY	0.98% +16.3% YoY	22%
Loan-to-Deposit Ratio ?	80.76% +7.2% YoY -1.1% QoQ	+2.81%	77.95% +1.0% YoY	79.72% +2.0% YoY	79.03% +2.3% YoY	48%
Non-Interest-Bearing Deposit Share ?	27.04% -3.5% YoY -1.1% QoQ	+5.01%	22.03% -0.6% YoY	26.43% -1.4% YoY	21.98% -0.6% YoY	73%
Nonperforming Asset Ratio ?	1.04% +29.1% YoY +3.3% QoQ	+0.37%	0.67% +16.4% YoY	0.55% +10.4% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	9.67% -0.6% YoY -0.2% QoQ	-6.24%	15.91% +1.4% YoY	14.02% -0.7% YoY	17.09% +0.8% YoY	Bottom 6.8% in tier
Non-Interest Income / Assets ?	0.29% +11.8% YoY +113.6% QoQ	-0.27%	0.57% +7.6% YoY	0.30% +5.9% YoY	0.66% +5.2% YoY	71%

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	27.0% -1.0pp YoY -0.3pp QoQ	+4.9pp	22.1%	27.1%	22.2%	73%
Brokered Deposits	n/a	n/a	7.9%	3.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
C&I	1.5% -0.3pp YoY 0.0pp QoQ	-10.0pp	11.6%	7.1%	12.5%	5%
CRE	n/a	n/a	39.5%	33.8%	41.4%	n/a
1-4 Family	48.1% -3.3pp YoY +1.5pp QoQ	+15.5pp	32.6%	52.8%	31.3%	80%
Consumer	7.6% -1.4pp YoY -0.2pp QoQ	+3.4pp	4.1%	7.9%	5.0%	87%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.1%	19.7%	n/a
Leverage Ratio	9.7% -0.1pp YoY 0.0pp QoQ	-2.5pp	12.2%	11.6%	12.6%	25%
Total Capital Ratio	n/a	n/a	19.9%	18.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Full-Time Employees	51 +5 (+10.9%) YoY +4 (+8.5%) QoQ	-8	58	161	482	54%
Assets per Employee ($)	$4.8M -5.4% YoY -6.1% QoQ	-$2.7M	$7.5M	$6.1M	$8.8M	12%
Branch Count	6 +1 (+20.0%) YoY +1 (+20.0%) QoQ	+1	4	13	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY +0.1pp QoQ	-0.3pp	0.3%	0.1%	0.4%	40%
Nonaccrual	1.2% 0.0pp YoY -0.1pp QoQ	+0.3pp	0.9%	0.7%	1.0%	76%
Allowance Coverage	0.90x -13.4% YoY +4.7% QoQ	-23.25x	24.15x	6.60x	20.23x	24%
Net Charge-off Rate (YTD)	0.2% +0.1pp YoY +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	84%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
ROE	12.5% +2.1pp YoY +1.7pp QoQ	+0.3pp	12.2%	10.6%	11.6%	52%
Cost of Funds (YTD)	1.2% -0.2pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.5%	1.7%	19%
Net Income ($, YTD)	$1.4M +31.8% YoY — QoQ	-$1.2M	$2.6M	$9.0M	$40.4M	39%

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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 (2)

Capital Thin

risk

#200 of 661 • Bottom 30.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.67%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Quality Pressure

risk

#605 of 1256 • Bottom 48.1% in tier

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

Why this signature

Delinquency Rate: 1.29%

(Tier: 0.92%, National: 0.98%)

worse than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 (1 metrics)

224

Net Interest Margin

profitability

Value: 4.97%

Peer Median: 3.99%

#224 of 2643 Top 8.4% in $100M-$1B

Top Weaknesses (3 metrics)

2463

Tier 1 Capital Ratio

capital

Value: 9.67%

Peer Median: 15.91%

#2463 of 2643 Bottom 6.8% in $100M-$1B

2132

Nonperforming Asset Ratio

credit_quality

Value: 1.04%

Peer Median: 0.67%

#2132 of 2643 Bottom 19.4% in $100M-$1B

2046

Delinquency Rate

credit_quality

Value: 1.29%

Peer Median: 0.92%

#2046 of 2633 Bottom 22.3% in $100M-$1B