$498M
+8.0%y/y
Percentile by value78th percentileby value
FDIC
LNLSGRPV
The Poca Valley Bank, Inc.
Walton, West VirginiaFDIC Cert #11952
STATEEstablished 19088 branches
Holding company: POCA VALLEY BANKSHARES INC THERegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $16.2M |
| Investor CRE | $45.8M |
| Multifamily | $13.9M |
| Construction | $28.8M |
| 1–4 family | $273M |
| C&I | $69.4M |
| Agriculture | $289K |
| Other | $51M |
Loan book
Reported balances and balance-sheet intensity.
$495M
+8.1%y/y
Percentile by value79th percentileby value
FDIC
LNLSNET+8.14%
+53.9%y/y
Percentile by value63rd percentileby value
FDIC
LNLSNET84.5%
+4.2%y/y
Percentile by value62nd percentileby value
FDIC
LNLSNET + DEP77.1%
+3.1%y/y
Percentile by value78th percentileby value
FDIC
LNLSNET + ASSET79.16%
+4.7%y/y
Percentile by value37th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
164%
−7.5%y/y
Percentile by value47th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC54%
+16.6%y/y
Percentile by value64th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,343points
+11.6%y/y
Peer standing9th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD3.26%
+10.4%y/y
Percentile by value8th percentileby value
FDIC
LNRENROW + LNLSGR9.18%
−15.1%y/y
Percentile by value32nd percentileby value
FDIC
LNRENROT + LNLSGR13.92%
−5.8%y/y
Percentile by value72nd percentileby value
FDIC
LNCI + LNLSGR