# POWELL VALLEY NATIONAL BANK
JONESVILLE, VA · FDIC certificate 6863 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $516.5M | |
| Deposits | $460.0M | |
| Loans and leases | $408.2M | |
| Total equity | $53.9M | |
| Loans / deposits | 87.59% (p65 of band) | 82.04% |
| Liquid assets / assets | 16.96% (p21 of band) | |
| Uninsured deposits / deposits | 30.45% (p67 of band) | 25.97% |
| Brokered deposits | 0.69% | |
| Wholesale funding | 0.69% (p31 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.67% (p48 of band) | 10.81% |
| Unrealized securities loss / equity | -3.29% (p71 of band) | -8.10% |
| AOCI / equity | -0.05% (p70 of band) | |
| ROA (annualized) | 2.20% (p91 of band) | 1.28% |
| Net interest margin | 3.79% (p43 of band) | 3.91% |
| Efficiency ratio | 54.11% (p28 of band) | |
| Noncurrent loans | 0.21% (p34 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 631.52% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 71.27% (p72 of band) | |
| Auto loans | $3.2M (0.78% of loans; DQ 3.10%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 100 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 | reserve under noncurrent | uninsured deposits leaving, capital falling |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 | expense ratio p90 | capital falling |
| 2019-09 | 0 |  | expense ratio p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 2 | expense ratio p90, construction >100% equity |  |
| 2025-09 | 0 |  | expense ratio p90, construction >100% equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-01 [Powell Valley National Bank involved in multiple local initiatives - WCYB](https://news.google.com/rss/articles/CBMitgFBVV95cUxNdlhPVUNCREhXUER4enZzTlY2cnJ5OUI1NkQtT3cxSmtILTBfWTk5RDd0R3VWTldpVktyWWx1YUt2NHh2OGVHazgxY3VCaEdUY09Ib01seVNJR0ZKU1hFQWtLT2FEWXMyNDd2Ym5xRVZweEFUQ0EybnJ4cVhVYVpPXzFhWmM3eDlPZFdzTmpMZko3M28xZVZDN0F6Rk5TdE9rcHhOSnRTWFljUHp6VlBGSlN2cmhqZw?oc=5) · WCYB
- 2026-07-28 [End of Summer Blood Drive to be held Wednesday in Wise - WCYB](https://news.google.com/rss/articles/CBMiigFBVV95cUxONmo5aEFpZDczaW5NUy1uWGM5WWFsak5EVmVFY0hfLXN3cDV5Nmk0M0o2eFJ2bk5TcUtkZmJjTmpHTURNbGVwcHMzUGhiM1pweFdnVGZDeTFQYVNhUUJfTUdRUHJWTktaNGFLdzVnenIzMTRzUjZJVk1CR2NwMjlwNGpobjdtYUNUOEE?oc=5) · WCYB
- 2025-12-27 [Powell Valley National Bank Tournament Highlights and Scores: December 26, 2025 - WCYB](https://news.google.com/rss/articles/CBMivAFBVV95cUxNVXQzb24xR3phU1VuTUNZUXRUMHYwMlpkMkxHM2QxSHZrMkstcG5hYUlLUzBoMDQ3amJFbzlGMkpFdGpwWWF2VkZoTnhNM2N4NzYyM0I5RjZLUDcyTVdDeWFBOUxHQnVkMnJuRUpTQUhxWElhRk9jczdzNmlsOWpic2hteURxXzBpT2xMbS0tbnE2bHFZNlJMczJlQVNxc1p5Tnp0aGgzNk1nTUZhSDFvcFo1SklBUkFJUkdPNg?oc=5) · WCYB
- 2023-05-05 [Elizabeth Mumpower Obituary (2023) - Big Stone Gap, VA - Kingsport Times News](https://news.google.com/rss/articles/CBMinAFBVV95cUxPZU9iZ1A3am92R0U2MHBxVlYzNTBtTWNWOEZzYTduRVhCTTU3T3BZZnFiYlV2bC1NNE9qWlJmRVQxdUlZdk5oaEg2akt1aWxjeEVSZE1MRm5YNUxGbzlxNjV4TnUySE5BZDRsdndmOWVfWXlwVlM5N00xWUxJYV9mLVRtUC1kaFlGNG9FNWZvU2hoRDY5ZUZvQlVSaEQ?oc=5) · Kingsport Times News
- 2022-08-12 [Samuel Lane Neese Obituary Aug 12, 2022 - Farris Funeral Service](https://news.google.com/rss/articles/CBMic0FVX3lxTE1NeW9fS21FMFhTT0xlZjNGS0cySW9nTzRGWFh5Qkc3LXhmVUZBTmcxSHltZTc0YUEyTVJ0OW4zUXExSXgxckgxTXdkTzJKOUkwZHc3bk1tUDhjNFAya1h5d1lDRHpKTXdnVjBxVmpXQmE5Mnc?oc=5) · Farris Funeral Service
- 2025-08-07 [Powell Valley National Bank opens in Bristol - WCYB](https://news.google.com/rss/articles/CBMifEFVX3lxTE1JbXNobjB4UzQxSTVPZlZJcEJSUElpT0JHSlg3cjcyUUxuTVh1bFVLMnBGMzlIeGszSUR2Ym9kY1BtQUdxRTZmUnRRWWc1MVd2VVFIY3dGeTNzOVVCX182X0Vpb213Zng0UWx0b00xU01ueHMyOVNwSEY3cmU?oc=5) · WCYB
- 2022-12-29 [Powell Valley National Bank Holiday Classic Scores and Highlights: December 29, 2022 - WCYB](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNUWVLeTh0OE1wTXF5MHd0XzgtSHlodUNEQjJaMGRmZEplbWlIQ1NhYXN0b1BpbGVrVXRjVFFzaFR3MmtzeGJzaXk3SUVsaVhvR2hKMlZVS2pXM2ZPNXZmdm5GT2NHUkRjb29KcV9hSVdxYVlYY2MtSV9Xc1FuMTNocVJYZERTd1FHX3JZUDh0UmRnSTRLQ3B4X3ZBRnlYa292QkxzSS14ZFBJYU9FLTJrd0JONDRqaVN4VG5HaExfb3EzdDg?oc=5) · WCYB
- 2024-12-26 [High School Hoops Scores and Highlights: Local tournaments tip-off post-Christmas buzz - WCYB](https://news.google.com/rss/articles/CBMixwFBVV95cUxNWjJDSnFIaEtldE5PTGNWLTh5T21LaE9jV3pCcEY4RnFaRFRjeDMtZ19rNnJuMG0yN0ppMkZkdEN6UGEtTUlZakJob2s5emVQR2dGLS1MU2t2ZG05bi01aTFHZXR4cTk5R3JfWmNQalJIbVVlSkVOTVR1M2Z6dVBqejc0cnUyVG91cFJzODFhNzVHMC10amxRRXJnX293NDlUU0pGTTB1M0gzbk10VXFSUjJHN2FwOXV3eGhoT013bWNmcmIwdUlN?oc=5) · WCYB

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6863 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/15.json (key "6863", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide