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Overview / Commentary
7033 Charleston Road
Walton, WV 25286

The Poca Valley Bank, Inc. is headquartered in Walton and is the 14st largest bank in the state of West Virginia. It is also the 2,059th largest bank in the nation. It was established in 1908 and as of March of 2014, it had grown to 101 employees at 7 locations. The Poca Valley Bank, Inc. has a A 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 Poca Valley Bank, Inc. had $2.17 million in non-current loans and owned real-estate with $34.58 million in equity and loan loss allowances on hand to cover it. This gives The Poca Valley Bank, Inc. a Texas Ratio of 6.29% 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 Poca Valley Bank, Inc. experienced no significant changes from 6.52% as of March 31, 2013 to 6.29% as of March 31, 2014, resulting in a positive change of 3.55%.This indicates that the balance sheet and financial strength for The Poca Valley Bank, Inc. has had no significant changes in recent periods.

Deposit Growth


In the past year, The Poca Valley Bank, Inc. has increased its total deposits by $479,000, resulting in 0.17% 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 Poca Valley Bank, Inc. has shown is above 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 Poca Valley Bank, Inc. has $320.12 million in assets with $34.58 million in equity, resulting in a capitalization level of 10.80%, which is above average.

Institution Statistics

FDIC Certificate #11952
Year Established1908
Primary RegulatorFDIC
Assets and Liabilities
Assets$320.13 million
Loans$205.79 million
Deposits$284.29 million
Equity Capital$31.71 million
Loan Loss Allowance$2.86 million
Unbacked Noncurrent Loans$1.77 million
Real Estate Owned$409,000
Historic Data - March 2013
Assets$318.00 million
Equity Capital$30.17 million
Loan Loss Allowance$3.21 million
Unbacked Noncurrent Loans$1.77 million
Real Estate Owned$501,000
Profit Margin - Quarterly
Net Interest Margin4%
Return on Assets0.81%
Return on Equity8.25%
Interest Income$3.31 million

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The Poca Valley Bank, Inc. Locations
Spencer Branch1 Black Walnut AvenueSpencer, WV 25276
Winfield Branch3500 Winfield RoadWinfield, WV 25213
Sissonville Branch6420 Sissonville DriveSissonville, WV 25320
The Poca Valley Bank, Inc.7033 Charleston RoadWalton, WV 25286
Poca Foodfair Supermarket BranchRoute 62, Main StreetPoca, WV 25159
Clendenin BranchU.S. Highway 119 and 2nd AvenueClendenin, WV 25045
Elkview BranchU.S. Highway 119 and State Road 43Elkview, WV 25071