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Overview / Commentary
7033 Charleston Road
Walton, WV 25286

The Poca Valley Bank, Inc. is headquartered in Walton and is the 16th largest bank in the state of West Virginia. It is also the 2,041st largest bank in the nation. It was established in 1908 and as of December of 2015, it had grown to 100 employees at 7 locations. The Poca Valley Bank, Inc. has a B+ health rating.


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Health Grade Components

FDIC Certificate #11952
Year Established1908
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD7.43%
Annual Interest Income$13.3MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$327.9MM$326.4MM
LoansQ4 2015vs Q4 2014$229.7MM$214.9MM
DepositsQ4 2015vs Q4 2014$281.2MM$288.9MM
Equity CapitalQ4 2015vs Q4 2014$34.6MM$33.2MM
Loan Loss AllowanceQ4 2015vs Q4 2014$2.2MM$2.2MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$1.8MM$2.1MM
Real Estate OwnedQ4 2015vs Q4 2014$625.00K$574.00K

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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