Capon Valley Bank
Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.8 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Good asset quality (5.3). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.8) profitability.
Asset Mix:
Home mtgs (30%), securities (15%), comm re (12%), cash (7%), consumer loans (6%), home eq lns (5%), comm loans (3%), other (23%)
States with Branches:
VA, WV
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Highlands Bankshares, Inc.
Investment Rating
Address
Two West Main Street
Wardensville, WV 26851
Wardensville, WV 26851
Phone Number
(304) 874-3531
Year Founded
1918
FDIC Number
Website
Largest Affiliates
Petersburg, WV
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Bank