Poca Valley Bank Inc (FDIC #11952): Bank Stress & Real-Estate Credit Exposure
Poca Valley Bank Inc (FDIC Cert #11952): bank stress 87/100, severe, STABLE over 7 days; parent POCA VALLEY BANKSHARES INC THE.
Poca Valley Bank Inc (#11952) lends in 3 counties across 1 state; Poca Valley Bank Inc (#11952) reaches 73 ZIP codes: West Virginia 3 counties, 73 ZIPs.
Poca Valley Bank Inc (#11952) largest markets: Kanawha County, WV (240 branches, 48 ZIPs) (#11952), Putnam County, WV (34 branches, 17 ZIPs) (#11952), Roane County, WV (26 branches, 13 ZIPs) (#11952).
Poca Valley Bank Inc (#11952) reports $666.2 million in total assets; Poca Valley Bank Inc (#11952) equity $46.2 million (6.9% of Poca Valley Bank Inc (#11952) assets); Poca Valley Bank Inc (#11952) domestic deposits $603.3 million; Poca Valley Bank Inc (#11952) net income $2.4 million; Poca Valley Bank Inc (#11952) return on assets 0.72%; Poca Valley Bank Inc (#11952) return on equity 10.40%; Poca Valley Bank Inc (#11952) net interest income $12.6 million; Poca Valley Bank Inc (#11952) call report June 30, 2026.
Poca Valley Bank Inc (#11952) noncurrent real-estate loans 0.02% of its book; Poca Valley Bank Inc (#11952) net charge-offs on real estate 0.41%; Poca Valley Bank Inc (#11952) residential charge-offs 0.46%.
Poca Valley Bank Inc (#11952) net interest margin 4.17% against an eight-quarter Poca Valley Bank Inc (#11952) average of 3.80% (Poca Valley Bank Inc (#11952) compression -0.37 points); Poca Valley Bank Inc (#11952) real-estate loans 2.0% of equity; Poca Valley Bank Inc (#11952) non-residential real estate 46.3% of equity; Poca Valley Bank Inc (#11952) rate-exposure score 40/100, Poca Valley Bank Inc (#11952) fixed-rate trap 40/100; Poca Valley Bank Inc (#11952) risk type credit driven; Poca Valley Bank Inc (#11952) rate regime rates elevated, Poca Valley Bank Inc (#11952) snapshot October 19, 2026.
Poca Valley Bank Inc (#11952) stress score moved from 84.3 on June 22, 2026 to 86.8 on October 20, 2026; Poca Valley Bank Inc (#11952) ranged 84.3 to 86.8 over 117 snapshots.
Poca Valley Bank Inc (#11952) alerts: 3 counties; top Poca Valley Bank Inc (#11952) alert scores: Elkview County, WV 27 (low); Walton County, WV 27 (low); Winfield County, WV 27 (low).