Capon Valley Bank
Total assets
$244.2M
▲ +4.9% YoY
Deposits
$218.4M
▲ +4.3% YoY
Loans
$176.4M
▲ +11.9% YoY
Offices
6
HIGHLANDS BANKSHARES INC
ROA (annualized)
1.16%
peers 1.24%
ROE (annualized)
12.46%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Capon Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.5 pts |
| Deposit growth (YoY) | +4.3% | +4.0% | +0.4 pts |
| Loan growth (YoY) | +11.9% | +5.6% | +6.3 pts |
| ROA | 1.16% | 1.24% | -0.1 pts |
| ROE | 12.5% | 11.9% | +0.6 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
Profile
- Established
- 1918
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- HIGHLANDS BANKSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 2 W Main St, Wardensville, WV, 26851
- County
- Hardy
- Offices
- 6
- FDIC cert #
- 9998
- RSSD ID
- 18836
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $244.2M | $218.4M | $176.4M | $22.7M | $1.4M | 1.16% | 4.97% | 1.04% |
| Q1 2026 | $239.7M | $213.9M | $174.7M | $22.4M | $601K | 1.01% | 4.89% | 1.01% |
| Q4 2025 | $236.8M | $211.6M | $172.8M | $22.1M | $2.4M | 1.03% | 4.55% | 1.08% |
| Q3 2025 | $235.1M | $210.5M | $167.8M | $21.6M | $1.7M | 0.97% | 4.43% | 0.92% |
| Q2 2025 | $232.9M | $209.3M | $157.7M | $20.9M | $1.1M | 0.94% | 4.34% | 0.81% |
| Q1 2025 | $224.9M | $201.7M | $158.0M | $20.5M | $505K | 0.90% | 4.31% | 0.43% |
| Q4 2024 | $221.9M | $199.4M | $157.3M | $19.8M | $1.7M | 0.78% | 4.13% | 0.45% |
| Q3 2024 | $212.5M | $190.5M | $153.2M | $19.9M | $1.2M | 0.74% | 4.07% | 0.52% |
Loan mix (Q2 2026): real estate $158.9M · commercial $2.7M · consumer $13.3M · securities $34.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Capon Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.96% | 91th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 62.9% | 64th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Capon Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Capon Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Capon Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Capon Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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