Total Assets
$237M
Total balance-sheet footings
FDIC Cert #9998 · Wardensville, West Virginia · Est. 1918
Capon Valley Bank - FDIC Bank Health Profile
A community-scale look at Capon Valley Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $237M
- Total assets
- C
- Health grade · Fair
- 1.03%
- Return on assets
- 9.6%
- Tier 1 capital
Data updated July 2026
The verdict
Capon Valley Bank earns a PlainBankData health grade of C (62/100), with 9.59% Tier 1 capital, profitable at 1.03% ROA, 69% efficiency ratio.
- #2,812
- largest of 4,313 FDIC banks by assets
- 35th
- percentile by asset size, nationally
- 9.59%
- Tier 1 ratio - below the 10% well-capitalized line
- 45th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Capon Valley Bank's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Capon Valley Bank's composite health score
Tier 1 Capital Ratio (9.59%) 18/40
Return on Assets (ROA) (1.03%) 20/25
Texas Ratio (10.56%) 16/20
Efficiency Ratio (69.05%) 8/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$212M
Customer-funded liabilities
Net Loans
$173M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Capon Valley Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Capon Valley Bank's score of 62/100 falls in the highlighted band.
Capon Valley Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Capon Valley Bank's $237M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.59% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.59%
Texas Ratio
10.56%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
45th percentile nationally
1.03%
Return on Equity (ROE)
11.30%
Efficiency Ratio
69.05%
What the numbers say about Capon Valley Bank
Capon Valley Bank is an FDIC-insured institution (Certificate #9998) headquartered in Wardensville, West Virginia, established in 1918. It holds $237M in total assets - 2,812th of 4,313 FDIC-insured banks, $212M in customer deposits, and $173M in net loans. On safety, its Tier 1 capital ratio of 9.59% is below the 10% well-capitalized threshold, and its Texas Ratio of 10.56% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (62/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within West Virginia, Capon Valley Bank ranks 26th of 42 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$13M
Interest Income
$1M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Capon Valley Bank reports a Texas Ratio of 10.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.56% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in West Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Capon Valley Bank (FDIC Cert #9998) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in West Virginia
All West Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WesBanco Bank, Inc.Wheeling | $27.6B | A | 0.91% |
| City National Bank of West VirginiaCharleston | $6.7B | A | 2.01% |
| MVB Bank, IncFairmont | $3.3B | B | 1.46% |
| Clear Mountain BankBruceton Mills | $985M | A | 1.28% |
| Potomac BankCharles Town | $943M | A | 1.04% |
| Pendleton Community Bank, Inc.Franklin | $814M | B | 1.01% |
| CNB Bank, Inc.Berkeley Springs | $786M | B | 0.78% |
| Citizens Bank of West Virginia, Inc.Elkins | $705M | A | 1.59% |
Frequently asked questions
What is Capon Valley Bank's health grade?▼
Capon Valley Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Capon Valley Bank?▼
Capon Valley Bank holds $237M in total assets and $212M in deposits, ranking 2,812th of 4,313 FDIC-insured banks by asset size. It is headquartered in Wardensville, West Virginia.
Is my money safe at Capon Valley Bank?▼
Yes, deposits at Capon Valley Bank (Certificate #9998) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Capon Valley Bank's Tier 1 Capital Ratio?▼
Capon Valley Bank has a Tier 1 Capital Ratio of 9.59%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Capon Valley Bank?▼
Capon Valley Bank has a Texas Ratio of 10.56%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Capon Valley Bank?▼
Capon Valley Bank has an Efficiency Ratio of 69.05%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Capon Valley Bank's profile as a depositor or analyst.
- Capon Valley Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Capon Valley Bank against other West Virginia banks before moving funds. West Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.