WV lenders / Community Bank
The Poca Valley Bank, Inc.
Community Bank · Walton, WV · Poca Valley Bankshares Inc The
- Total assets
- $642.8M
- CRE loan book
- $104.7M
- QoQ CRE growth
- -0.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.10% as of Q1 2026 — TX bank median 4.87% (1.23pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.10% | 6.13% |
| Q4 2025 | 6.13% | 6.19% |
| Q3 2025 | 5.99% | 6.07% |
| Q2 2025 | 6.01% | 6.05% |
| Q1 2025 | 5.89% | 5.94% |
| Q4 2024 | 6.00% | 6.04% |
| Q3 2024 | 5.64% | 5.81% |
| Q2 2024 | 5.58% | 5.70% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $104.7M | $28.8M | $13.9M | 164% | $340,000 |
| Q4 2025 | $105.6M | $26.9M | $14.0M | 171% | $414,000 |
| Q3 2025 | $100.5M | $25.3M | $14.1M | 168% | $2.4M |
| Q2 2025 | $100.4M | $23.3M | $15.4M | 172% | $860,000 |
| Q1 2025 | $101.9M | $22.8M | $15.6M | 178% | $855,000 |
| Q4 2024 | $102.6M | $22.1M | $15.4M | 182% | $867,000 |
| Q3 2024 | $105.5M | $21.6M | $15.6M | 185% | $296,000 |
| Q2 2024 | $98.4M | $20.1M | $16.9M | 175% | $321,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- New Era BankCommunity Bank · Fredericktown · $105.1M CRE book
- Commerce BankCommunity Bank · Geneva · $105.1M CRE book
- Peoples Trust Company of St. AlbansCommunity Bank · Saint Albans · $105.5M CRE book
- First State Bank & TrustCommunity Bank · Williston · $106.1M CRE book
- The Pauls Valley National BankCommunity Bank · Pauls Valley · $106.1M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.