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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Wardensville, WV · FDIC certificate #9998
CAPON VALLEY BANK is an FDIC-insured institution based in Wardensville, WV (FDIC certificate #9998). In its Q3 2026 Call Report it reported total assets of $240M, total deposits of $214M and net loans of $180M. Its primary federal regulator is FDIC.
Plain-language readout
CAPON VALLEY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $244M in Q2 2026 and were lowest at $240M in Q1 2026.
Total deposits were highest at $218M in Q2 2026 and lowest at $214M in Q3 2026.
Over the whole period total assets rose 0.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $240M | $214M | $180M | 1.15% | 12.23% | 5.04% |
| Q2 2026 | $244M | $218M | $176M | 1.16% | 12.46% | 4.97% |
| Q1 2026 | $240M | $214M | $175M | 1.01% | 10.79% | 4.89% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $16.2M | $13.8M | +$2.4M | +17.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $34.6M | $35.0M | -$332K | -0.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $176.4M | $174.7M | +$1.7M | +1.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.6M | $7.2M | +$419K | +5.9% |
| Other real estate owned | $270K | $0K | +$270K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $9.1M | $9.1M | +$31K | +0.3% |
| Total assets | $244.2M | $239.7M | +$4.5M | +1.9% |
| Liabilities | ||||
| Total deposits | $218.4M | $213.9M | +$4.5M | +2.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.0M | $3.4M | -$312K | -9.3% |
| Total liabilities | $221.5M | $217.2M | +$4.2M | +1.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $180K | $180K | $0K | 0.0% |
| Surplus | $1.7M | $1.7M | $0K | 0.0% |
| Retained earnings | $21.7M | $21.3M | +$374K | +1.8% |
| Accumulated other comprehensive income | -$875K | -$774K | -$101K | -13.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $22.7M | $22.4M | +$273K | +1.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.5M | $2.4M | +$127K | +5.3% |
| Adjusted nonperforming assets | $2.5M | $2.4M | +$127K | +5.3% |
| Tangible equity plus allowance | $24.7M | $24.5M | +$242K | +1.0% |
| Texas ratio (gross) | 10.28% | 9.86% | +0.42 pts | See points |
| Texas ratio (adjusted) | 10.28% | 9.86% | +0.42 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 10.28% | 9.86% | +0.42 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.67% | 9.68% | -0.02 pts | See points |
| Construction and land loans to total capital | 110.54% | 117.99% | -7.45 pts | See points |
| Commercial real estate to total capital | 171.81% | 181.59% | -9.79 pts | See points |
| Dividend payout, year to date | 49.53% | 45.09% | +4.44 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.85% | -4.36% | -0.50 pts | See points |
| Liquidity | ||||
| Core deposits | $202.9M | $201.0M | +$1.9M | +1.0% |
| Non-core funding | $15.5M | $12.9M | +$2.6M | +20.4% |
| Loans to core deposits | 87.94% | 87.93% | +0.01 pts | See points |
| Loans to deposits | 81.70% | 82.64% | -0.93 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 44.28% | 44.92% | -0.63 pts | See points |
| Loans pledged, share of loans | 100.00% | 100.00% | 0.00 pts | See points |
| Volatile liabilities | $15.5M | $12.9M | +$2.6M | +20.4% |
| Earnings | ||||
| Earnings before provision, year to date | $2.0M | $876K | +$1.1M | +127.5% |
| Earnings before provision, single quarter | $1.1M | $876K | +$241K | +27.5% |
| Provision for credit losses, year to date | $225K | $115K | +$110K | +95.7% |
| Yield and cost | ||||
| Yield on loans and leases | 6.84% | 6.72% | +0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 3.85% | 3.58% | +0.27 pts | See points |
| Total interest income to average assets | 5.71% | 5.60% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.63% | 0.65% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.93% | 0.92% | +0.01 pts | See points |
| Cost of time deposits | 2.65% | 2.71% | -0.06 pts | See points |
| Total interest expense to average assets | 1.09% | 1.11% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $240M | $214M | $180M | 1.15% | 12.23% | 5.04% |
| 2026-06-30 | $244M | $218M | $176M | 1.16% | 12.46% | 4.97% |
| 2026-03-31 | $240M | $214M | $175M | 1.01% | 10.79% | 4.89% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| WV | $154.1M | 0.33% | 47 | Continuing · +0.01 pp |
| VA | $55.2M | 0.02% | 94 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.