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Powell Valley National Bank
Jonesville, VA · FDIC Certificate #6863 · Chartered 01/0
Total assets
$516.49M
Total deposits
$459.96M
Total equity
$53.93M
Net loans
$402.87M
Branches (offices)
7
Net income (YTD)
$5.70M
Rank: #1,747 of 4,213 U.S. banks by assets · #38 of 56 in Virginia. Assets changed 7.1% and deposits 6.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.20% |
| Return on equity | 22.59% |
| Net interest margin (YTD) | 3.79% |
| Equity to assets | 10.44% |
| Tier 1 leverage ratio | 10.67% |
| Uninsured deposits (share of deposits) | 30.4% |
| Noncurrent loans (share of loans) | 0.21% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 87.6% |
| Real estate loans (share of loans) | 87.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $350.49M | 87.0% | |
| Commercial & industrial | $19.84M | 4.9% | |
| Consumer / individual | $8.93M | 2.2% | |
| Construction & development | $38.43M | 9.5% | |
| Agricultural | $2.61M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $433.57M | $389.92M | $2.03M | $40.99M |
| Jun 2023 | $470.29M | $425.65M | $1.39M | $41.71M |
| Jun 2024 | $469.15M | $422.46M | $1.02M | $43.86M |
| Jun 2025 | $482.08M | $432.96M | $649.00K | $45.89M |
| Jun 2026 | $516.49M | $459.96M | $5.70M | $53.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $402.45M | 6 |
| Tennessee | $57.51M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $459.96M.
Similar-sized banks
State Bank Of Chilton ($516.52M) · First Credit Bank ($515.84M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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