The Page Valley Bank

17 West Main Street
Luray, VA 22835
(888)331-6521
www.pagevalleybank.com

OverView
Rates
Health
Reviews

The Page Valley Bank is headquartered in Luray and is the 86^th largest bank in the state of Virginia. It is also the 3,992^nd largest bank in the nation. It was established in 1893 and as of September of 2011, it had grown to 32 employees at 4 locations. The Page Valley Bank has a 4-star health rating.

The Page Valley Bank Routing Number: 051402372

4.25% Reward Checking Account at a Virginia Bank (The Page Valley Bank) - 10/28/2007

Update 8/14/09: The top rate has fallen to 4.25% APY. Refer to the bottom of the post for the rate history.The Page Valley Bank is offering a reward checking account that pays 4.25% APY for balances up to $25K (1.01% over) and refunds ATM fees (up to $25...

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

The Page Valley Bank Checking Account Rates

Apy	Min	Max	Product
1.50%	-	$25k	Reward Checking
0.20%	-	-	Charitable Account
0.01%	-	-	NOW Account

The Page Valley Bank Savings Account Rates

	Apy	Min	Max	Product
	0.05%	-	-	Savings Accounts

The Page Valley Bank Money Market Rates

Apy	Min	Max	Product
0.20%	$50k	-	Super MMDA 50
0.20%	$50k	-	Business Super MMDA 50
0.10%	$25k	-	Super MMDA 25
0.10%	$25k	-	Business Super MMDA 25
0.03%	-	-	Money Market Account
0.03%	-	-	Business Money Market Account

The Page Valley Bank CD Rates

Apy	Min	Max	Product
2.25%	$10k	-	120 Month CD
2.25%	$10k	-	Business 120 Month CD
2.00%	$10k	-	108 Month CD
2.00%	$10k	-	Business 108 Month CD
1.90%	$10k	-	96 Month CD
1.90%	$10k	-	Busiiness 96 Month CD
1.80%	$10k	-	84 Month CD
1.80%	$10k	-	Business 84 Month CD
1.70%	$10k	-	72 Month CD
1.70%	$10k	-	Business 72 Month CD
1.45%	$5k	-	57 Month Special CD
1.45%	$5k	-	Business 57 Month Special CD
0.90%	$5k	-	27 Month Special CD
0.90%	$5k	-	Business 27 Month Special CD
0.90%	$1k	-	60 Month CD
0.90%	$1k	-	Business 60 Month CD
0.70%	$5k	-	13 Month Special CD
0.70%	$5k	-	Business 13 Month Special CD
0.60%	$1k	-	48 Month CD
0.60%	$1k	-	Business 48 Month CD
0.40%	$1k	-	36 Month CD
0.40%	$1k	-	Business 36 Month CD
0.25%	$1k	-	24 Month CD
0.25%	$1k	-	Business 24 Month CD
0.20%	$1k	-	18 Month - Fixed CD
0.20%	$1k	-	Business 18 Month - Fixed CD
0.10%	$1k	-	12 Month CD
0.10%	$1k	-	Business 12 Month CD
0.05%	$1k	-	182 Day CD
0.05%	$1k	-	Business 182 Day CD
0.03%	$1k	-	91 Day CD
0.03%	$1k	-	Business 91 Day CD

The Page Valley Bank IRA Rates

Apy	Min	Max	Product
2.25%	$10k	-	120 Month IRA
2.25%	$10k	-	120 Month Roth IRA
2.25%	$10k	-	120 Month SEP IRA
2.00%	$10k	-	108 Month IRA
2.00%	$10k	-	108 Month Roth IRA
2.00%	$10k	-	108 Month SEP IRA
1.90%	$10k	-	96 Month IRA
1.90%	$10k	-	96 Month Roth IRA
1.90%	$10k	-	96 Month SEP IRA
1.80%	$10k	-	84 Month IRA
1.80%	$10k	-	84 Month Roth IRA
1.80%	$10k	-	84 Month SEP IRA
1.70%	$10k	-	72 Month IRA
1.70%	$10k	-	72 Month Roth IRA
1.70%	$10k	-	72 Month SEP IRA
1.45%	$5k	-	57 Month Special IRA
1.45%	$5k	-	57 Month Special Roth IRA
1.45%	$5k	-	57 Month Special SEP IRA
0.90%	$5k	-	27 Month Special IRA
0.90%	$1k	-	60 Month IRA
0.90%	$5k	-	27 Month Special Roth IRA
0.90%	$1k	-	60 Month Roth IRA
0.90%	$5k	-	27 Month Special SEP IRA
0.90%	$1k	-	60 Month SEP IRA
0.70%	$5k	-	13 Month Special IRA
0.70%	$5k	-	13 Month Special Roth IRA
0.70%	$5k	-	13 Month Special SEP IRA
0.60%	$1k	-	48 Month IRA
0.60%	$1k	-	48 Month Roth IRA
0.60%	$1k	-	48 Month SEP IRA
0.40%	$1k	-	36 Month IRA
0.40%	$1k	-	36 Month Roth IRA
0.40%	$1k	-	36 Month SEP IRA
0.25%	$1k	-	24 Month IRA
0.25%	$1k	-	24 Month Roth IRA
0.25%	$1k	-	24 Month SEP IRA
0.20%	$1k	-	18 Month - Fixed IRA
0.20%	$1k	-	18 Month - Fixed Roth IRA
0.20%	$1k	-	18 Month - Fixed SEP IRA
0.10%	$1k	-	12 Month IRA
0.10%	$1k	-	12 Month Roth IRA
0.10%	$1k	-	12 Month SEP IRA
0.05%	$1k	-	182 Day IRA
0.05%	$1k	-	182 Day Roth IRA
0.05%	$1k	-	182 Day SEP IRA
0.03%	$1k	-	91 Day IRA
0.03%	$1k	-	91 Day Roth IRA
0.03%	$1k	-	91 Day SEP IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

The Page Valley Bank
FDIC Certificate #	6872
BankRate Report	View
Year Established	1893
Employees	32
Primary Regulator	FED
Assets and Liabilities
Assets	$141.16 million
Loans	$107.61 million
Deposits	$101.59 million
Equity Capital	$16.39 million
Loan Loss Allowance	$1.42 million
Unbacked Noncurrent Loans	$885,000
Real Estate Owned	$139,000
Historic Data - September 2010
Assets	$144.34 million
Equity Capital	$10.60 million
Loan Loss Allowance	$1.18 million
Unbacked Noncurrent Loans	$676,000
Profit Margin - Quarterly
Net Interest Margin	3.72%
Return on Assets	0.91%
Return on Equity	10.22%
Interest Income	$4.94 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 The Page Valley Bank had $1.02 million in non-current loans and owned real-estate with $17.81 million in equity and loan loss allowances on hand to cover it. This gives The Page Valley Bank a Texas Ratio of 5.75% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for The Page Valley Bank held steady from 5.74% as of September 30, 2010 to 5.75% as of September 30, 2011, resulting in a negative change of 0.11%. This indicates that the balance sheet and financial strength for The Page Valley Bank has held steady in recent periods.
Deposit Growth
In the past year, The Page Valley Bank has decreased its total deposits by -$7.3 million, resulting in -6.7% 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 Page Valley Bank has shown is poor.
Capitalization
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 Page Valley Bank has $141.16 million in assets with $17.81 million in equity, resulting in a capitalization level of 12.62%, which is excellent.