# CAPON VALLEY BANK
WARDENSVILLE, WV · FDIC certificate 9998 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $244.2M | |
| Deposits | $218.4M | |
| Loans and leases | $178.5M | |
| Total equity | $22.7M | |
| Loans / deposits | 80.76% (p64 of band) | 73.59% |
| Liquid assets / assets | 20.81% (p24 of band) | |
| Uninsured deposits / deposits | 17.30% (p41 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.67% (p20 of band) | 11.76% |
| Unrealized securities loss / equity | -5.04% (p57 of band) | -6.57% |
| AOCI / equity | -0.66% (p38 of band) | |
| ROA (annualized) | 1.16% (p50 of band) | 1.17% |
| Net interest margin | 4.97% (p89 of band) | 3.93% |
| Efficiency ratio | 67.97% (p56 of band) | |
| Noncurrent loans | 1.27% (p76 of band) | 0.36% |
| Net charge-offs (annualized) | 0.13% (p89 of band) | |
| Reserve coverage of noncurrent | 90.41% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 124.81% (p96 of band) | |
| Auto loans | $1.8M (1.02% of loans; DQ 6.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 51 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | charge-offs p90 |  |
| 2013-12 | 1 |  | charge-offs p90 |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | charge-offs p90 |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | uninsured deposits leaving |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | charge-offs p90 |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 0 |  | uninsured deposits leaving |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 2 | liquid assets <10% |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 1 | charge-offs p90 | reserve under noncurrent, liquid assets <10% |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 3 | liquid assets <10% |  |
| 2020-03 | 0 |  | charge-offs p90, capital falling, liquid assets <10% |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | construction >100% equity |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | reserve under noncurrent |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 2 |  |  |

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

- 2026-08-04 [Three New York men arrested after alleged identity theft attempt at Moorefield bank - WHSV](https://news.google.com/rss/articles/CBMiswFBVV95cUxNUTR1eW12WW0wZS1aN0hFX2JUd284cVJBSW9yYVQ4d1hxRXJuMXlGLUZhZ2lHUXU0Qk56U081NjVEY2xnZTEyNDVUTFJKYlRkY2ZnSWJQNGpMY3Z2a2ZxblpiOWJCVHJoYmpybENuR0dMdGxPMVBPdDNxaWFUNnFfRWRMeVpPWWtKeFVyT0NwVFdaR00zVUhnWjVXM0hTNXE0RURnVGZuYURFOFdDR3gwLTBwdw?oc=5) · WHSV
- 2026-03-12 [Banking on Relationships: How Capon Valley Bank Brings the Personal Touch Back to Finance - The River 95.3](https://news.google.com/rss/articles/CBMiswFBVV95cUxQQklrbzRhLWNRdWlXSjI4bXBacUpmakZvY3BVNWgtVGdQT1RxQzA0bjZxa3Zra0Zhd0pkdnpBNTQzMU9SWFFwWHhOVlJZMDlXWUhnWGtldWZKZ2g4bThheUM4NVljd3g2czRJVldDcnZWSzk3UUcwdUMxVkxkY1JPV1ZoNGhIdnowS3BwV2JSR1EzNW9YYm5XMDd0MGZmMXhWQ09fUGxSM1R0d2hETUluVTZLNA?oc=5) · The River 95.3
- 2025-11-13 [Capon Valley Bank Partners with Teslar Software to Streamline Lending Operations and Strengthen Relationship Banking - Business Wire](https://news.google.com/rss/articles/CBMigwJBVV95cUxQeG5FSHM2WWkxY2pubTFteG1rWXhvS2hhczI2a2dDS3M1d0JuZzNyX1JhM0tiQ2ZwMUwxWXVKQ0VJeFFOTVpRZ3JybjhiZVJGMENacHFRU0ZCMU9YY3VMbDNYWVp6RkhZZ3Z3Z1FjNGM0cVhfUmZiUnhaZC1IR1Yyb2ZueVlPQjB5bExneElvTUZ1cGVBNDNPODlHVHpTVXJOUjlXNXdhRXNLczdvY2x6NW9xaGk4ODNDcFdrVUtPOUgtZURua1lYbWpiakxSa0NOVlNfaW82cGtuMkdCS092b0c3aXNKSF96THRFS0ZVdno2N1k3RFdZcUlrMm15OGZoOF8w?oc=5) · Business Wire
- 2020-09-26 [Kassi N. Culp - The Winchester Star](https://news.google.com/rss/articles/CBMipwFBVV95cUxPeml2b01FRHVxVmtIRFpmYVJMaUVkUXViLXVlMGpvZVU3Q3YzRVlNcXgyVFBVXzJBWEhEekRoT0tmZmJ4bFdGM09CT0psaTJjR2FRTjE3T2VtdHR2ZDRwTGdvb19vTWQwX09aVGVSU1pzdVNFdmxJVVBmU2wwMzhnanM2WXRBbmtnVml6QjVjczNJeG91SXlXTTd6SjRSU0pKQk8yX2g2Yw?oc=5) · The Winchester Star
- 2014-05-19 [Police hunt clown and monkey after US bank robbery - scotsman.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQaEpTQVRRTF9hSnM1WndjWE40VUNsWXZjNDdGSy1ESWlRaDl2QWlqTzRQOExNd2RYWndzWnV5SEV2LVdGQzhOZnNFYzBNelhMdjZSajQ0YWw5dmhMVzZBeHdEbWw5NmFHMnNyWDBNZEpQQjI0Y0tVRDFyemQzU3VJLXg5djN4ZUZfUDdveGRxRzdOUQ?oc=5) · scotsman.com
- 2014-05-17 [Clown and monkey hunted by West Virginia Police after bank robbery - Metro.co.uk](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQWTlOVTNBWGpOWnpXSDItMFZTVHpmeFFJXzFiTF9Zb2UzVWVfRmJ2OXhuTnpwYmZOU3pxekNNY0ZjZE9haTI4ZG4tM0NsekliZUViWW5WWVBscHBfVU9ybHluS0ZoV1h5Ri12b3pmRHNQSEVrbUk1cEVfMFQ2cnUyT1pSWUpERHpfQjFpZU9IalhzNVpzWU1Fc01hWDV5LTNpSi1HclJ0d3BQQdIBrwFBVV95cUxPNTQyWkpGM2VPTzN3d2pqVHltWDdIYUxja3d6eUlERV9raU9hOWJjMURIcllUVTVGUGtjQ25Vc1Q5bWxqdG1URFBWUU0zTmYwMGhwVV82YWlmTEhvYkYxbmFRNE1TQXBMM28yNDltX2g3Xy14M3A2SXVoTWxwOGp1S2NLbkh2aTktT3FYdDN1d3RvV200WFZpd1UzSnN2T3pBcUlZRHBsUW9iRzJaLUFB?oc=5) · Metro.co.uk
- 2025-02-19 [Brian Brill appointed to County Commission - Hampshire Review](https://news.google.com/rss/articles/CBMijwFBVV95cUxNYWlVUk9mNDFQSU5qVUZRN0k4R0dXVVFiZlRJVXFhSFVwYUp4X2JONnY5YTY0WnhMQzl3Qy1feEhBM0FDLVBiQUg5S2pqaGlESVpCX1NDRUI3V3FuUXVDR3plb09CN2tEMml2emctUHIzQXFtWmNWaGw1blI4RWZpWktjQkVMdDJGb0VmZGo2VQ?oc=5) · Hampshire Review
- 2023-11-29 [Dustin T. Childs Obituary (2023) - Wardensville, WV - Loy-Giffin Funeral Home & Crematory - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNQlQydzZZTll1aGpYbjlNS2dfMEItQ1MtMHczTnNIdk96X184b1k2R0FMcTVIUF9BS0JMSnRial9tLV9NN01qcVlKVURCRDk0OHVsR3ZrME9IaW5XckJkS1ZkUDFJWEVMWGJsX1FjZTM3b1lucmY4TzRQOTJhYl9YMFR3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9998 (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/14.json (key "9998", 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