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2 W. Main Street
Wardensville, WV 26851

The Capon Valley Bank is headquartered in Wardensville and is the 35th largest bank in the state of West Virginia. It is also the 3,732nd largest bank in the nation. It was established in 1918 and as of March of 2014, it had grown to 50 employees at 5 locations. The Capon Valley Bank has a C+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Capon Valley Bank had $5.91 million in non-current loans and owned real-estate with $16.9 million in equity and loan loss allowances on hand to cover it. This gives The Capon Valley Bank a Texas Ratio of 34.94% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Capon Valley Bank decreased slightly from 48.58% as of March 31, 2013 to 34.94% as of March 31, 2014, resulting in a positive change of 28.07%.This indicates that the balance sheet and financial strength for The Capon Valley Bank has improved slightly in recent periods.

Deposit Growth


In the past year, The Capon Valley Bank has decreased its total deposits by -$1.8 million, resulting in -1.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Capon Valley Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Capon Valley Bank has $149.05 million in assets with $16.9 million in equity, resulting in a capitalization level of 11.34%, which is excellent.

Institution Statistics

FDIC Certificate #9998
Year Established1918
Primary RegulatorFED
Assets and Liabilities
Assets$149.05 million
Loans$107.52 million
Deposits$130.38 million
Equity Capital$14.84 million
Loan Loss Allowance$2.06 million
Unbacked Noncurrent Loans$2.17 million
Real Estate Owned$3.74 million
Historic Data - March 2013
Assets$149.75 million
Equity Capital$14.15 million
Loan Loss Allowance$2.50 million
Unbacked Noncurrent Loans$2.17 million
Real Estate Owned$3.48 million
Profit Margin - Quarterly
Net Interest Margin4.41%
Return on Assets0.55%
Return on Equity5.56%
Interest Income$1.67 million

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The Capon Valley Bank Savings Account Rates

0.10%--Personal Statement Savings

The Capon Valley Bank Money Market Rates

0.15%$50k-Plateau Premium Money Market

The Capon Valley Bank Checking Account Rates

0.15%$25k-Plateau Premium Investment
0.05%$1k-Plateau Plus

The Capon Valley Bank CD Rates

1.20%$500-60 Month CD - Monthly
1.20%$500-60 Month CD - Quarterly
0.80%$500-48 Month CD - Monthly
0.80%$500-48 Month CD - Quarterly
0.65%$500-36 Month CD - Monthly
0.65%$500-36 Month CD - Quarterly
0.50%$500-24 Month CD - Monthly
0.50%$500-24 Month CD - Quarterly
0.35%$500-12 Month CD - Monthly
0.35%$500-12 Month CD - Quarterly
0.20%$500-6 Month CD - Monthly
0.20%$500-6 Month CD - Quarterly
0.15%$500-3 Month CD - Monthly
0.15%$500-3 Month CD - Quarterly

The Capon Valley Bank IRA Rates

1.20%$500-60 Month IRA - Quarterly
1.20%$500-60 Month IRA - Monthly
0.80%$500-48 Month IRA - Quarterly
0.80%$500-48 Month IRA - Monthly
0.70%$100-18 Month Variable Rate IRA
0.65%$500-36 Month IRA - Quarterly
0.65%$500-36 Month IRA - Monthly
0.50%$500-24 Month IRA - Quarterly
0.50%$500-24 Month IRA - Monthly
0.35%$500-12 Month IRA - Quarterly
0.35%$500-12 Month IRA - Monthly
0.20%$500-6 Month IRA - Quarterly
0.20%$500-6 Month IRA - Monthly
0.15%$500-3 Month IRA - Quarterly
0.15%$500-3 Month IRA - Monthly

The Capon Valley Bank Locations
Baker Branch17558 Sr 55Baker, WV 26801
The Capon Valley Bank2 W. Main StreetWardensville, WV 26851
Capon Valley Bank - Stephens City Branch5511 South Main StreetStephens City, VA 22655
Western Frederick Branch6701 Northwestern PikeGore, VA 22637
Moorefield Branch717 North Main StreetMoorefield, WV 26836