Poca Valley Bank Inc: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Poca Valley Bank Inc (FDIC Cert #11952) at 87/100 for bank stress — a severe level of financial pressure. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

The value is in the linkage: Poca Valley Bank Inc's severe reading is mapped onto 73 ZIP codes and 3 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Because Poca Valley Bank Inc is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 87/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. County by county, that footprint includes Kanawha County, WV, Putnam County, WV, Roane County, WV, among others DLRadar tracks parcel by parcel. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Poca Valley Bank Inc is held under Poca Valley Bankshares Inc The, so its disclosures are public and its stress trajectory is externally verifiable. The combination of a severe reading and a compact footprint is what makes Poca Valley Bank Inc worth watching as a supply signal. DLRadar maps Poca Valley Bank Inc into 3 counties (73 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in West Virginia (3 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Poca Valley Bank Inc's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Poca Valley Bank Inc tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.