The Poca Valley Bank, Inc.

Headquarters: Walton, West Virginia
Charter: Bank
Assets: $666.2M
Fed district: Richmond
Regulator: FDIC
Holding company: Poca Valley Bankshares Inc the

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 9, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 9, 2026

How these figures are measured

Call-report figures are for The Poca Valley Bank, Inc. at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	The Poca Valley Bank, Inc.'s published fee schedule; Bank Fee Index medians	Current schedule	Oct 9, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: The Poca Valley Bank, Inc. (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $236K in Q2 2026, 5.8% above the same quarter a year earlier ($223K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $8, the middle of its prices
The Poca Valley Bank, Inc.: $2 to $25
The Poca Valley Bank, Inc.: $2 to $25
U.S. median: no median
Overdraft (OD)
The Poca Valley Bank, Inc.: $35
The Poca Valley Bank, Inc.: $35
U.S. median: no median
NSF / Returned Item
The Poca Valley Bank, Inc.: $35
The Poca Valley Bank, Inc.: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for West Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
West Virginia: Banks and credit unions headquartered in West Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 12% from Q3 2025 to Q2 2026, to $236K.

Service-charge income, Q2 2026

$236K

$210KQ3 2025

$206KQ4 2025

$223KQ1 2026

$236KQ2 2026

Against the median

The Poca Valley Bank, Inc.Median

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

The Poca Valley Bank, Inc. · $666M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$650M to $683M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The Poca Valley Bank, Inc.(this institution)	Walton, WV	$666M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
AbbyBank	Abbotsford, WI	$662M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Carroll Bank and Trust	Huntingdon, TN	$662M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Carver Federal Savings Bank	New York, NY	$658M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
CCB Community Bank	Andalusia, AL	$662M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Classic Bank, National Association	Cameron, TX	$657M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Concordia Bank & Trust Company	Vidalia, LA	$667M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Constitution Bank, National Association	Hillsboro, IL	$683M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers & Merchants Bank of Colby	Colby, KS	$651M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Farmers Bank	Buhl, ID	$678M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Eagle Bank	Chicago, IL	$650M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Hope Bank, A National Banking Association	Hope, NJ	$657M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First State Bank and Trust Company, Inc.	Caruthersville, MO	$659M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Henderson State Bank	Henderson, NE	$678M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Homeland Federal Savings Bank	Columbia, LA	$658M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Metairie Bank & Trust Company	Metairie, LA	$666M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Tripoli Bank	New Tripoli, PA	$674M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pennian Bank	Mifflintown, PA	$668M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Peoples Bank & Trust	Pana, IL	$657M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
PS Bank	Wyalusing, PA	$675M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Springs Valley Bank & Trust Company	French Lick, IN	$675M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Stockmens Bank	Colorado Springs, CO	$651M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Hardin County Bank	Savannah, TN	$677M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Stephenson National Bank and Trust	Marinette, WI	$677M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
TXN Bank	Hondo, TX	$669M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Worthington Bank	Arlington, TX	$655M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.74 (18%) below the median of similar-sized banks.

Compared at $8, the middle of its four prices, against a peer median of $9.74 among 18 publishing peers.

Its four checking prices are $2, $6, $10 and $25.

$8 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

The Poca Valley Bank, Inc.: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for The Poca Valley Bank, Inc. (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $236K
vs prior quarter: +$13K+5.8%; from Q1 2026
vs a year earlier: +$13K+5.8%; from Q2 2025
vs start of range: −$28K−10.6%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: The Poca Valley Bank, Inc. (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$236K	+$13K	+5.8%
Q1 2026	$223K	+$17K	+8.3%
Q4 2025	$206K	−$4K	−1.9%
Q3 2025	$210K	−$13K	−5.8%
Q2 2025	$223K	−$9K	−3.9%
Q1 2025	$232K	−$31K	−11.8%
Q4 2024	$263K	−$1K	−0.4%
Q3 2024	$264K	+$13K	+5.2%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The Poca Valley Bank, Inc.’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee$25
per month
Monthly Fee$10
per month
Monthly Fee$6
per month
Non Deliverable Mail (monthly fee)$2
per month
Dormant Account Fee$5
per month

Overdraft & NSF

NSF Paid Items$35
per item
NSF Returned Items$35
per item
Overdraft Protection Auto Transfer$5

ATM & Card

Foreign ATM usageNo charge
Replacement Card$10

Check Services

Cashier Checks$5
per item
Stop Payments$40
Counter Checks$1
per item

Digital & Electronic

PVB Bill Payment ServiceNo charge

Cash & Deposit

Returned Deposited/Cashed Checks$10

Account Services

Safe Deposit Boxes Drilling Charges (Minimum Charge)$250
Not compared: Box drilling or key fee
Visa check/debit Card Safe Deposit Boxes - Lost Key$25
Not compared: Box drilling or key fee
Tax Levy/Garnishment$100
per item

Gift & Prepaid Cards

Gift Cards$3
Visa Gift Cards: Reloadable Cards$5

Other Fees

Extra Statement Charge (per statement)$6
Photocopies$0.25
per item
Statement Print Out with images (per statement)$6

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$25	per month	None
Monthly Fee	$10	per month	None
Monthly Fee	$6	per month	None
Non Deliverable Mail (monthly fee)	$2	per month	None
Dormant Account Fee	$5	per month	None
Overdraft & NSF
NSF Paid Items	$35	per item	None
NSF Returned Items	$35	per item	None
Overdraft Protection Auto Transfer	$5	Not stated	None
ATM & Card
Foreign ATM usage	No charge	Not stated	None
Replacement Card	$10	Not stated	None
Check Services
Cashier Checks	$5	per item	None
Stop Payments	$40	Not stated	None
Counter Checks	$1	per item	None
Digital & Electronic
PVB Bill Payment Service	No charge	Not stated	None
Cash & Deposit
Returned Deposited/Cashed Checks	$10	Not stated	None
Account Services
Safe Deposit Boxes Drilling Charges (Minimum Charge)	$250Not compared: Box drilling or key fee	Not stated	None
Visa check/debit Card Safe Deposit Boxes - Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Tax Levy/Garnishment	$100	per item	None
Gift & Prepaid Cards
Gift Cards	$3	Not stated	None
Visa Gift Cards: Reloadable Cards	$5	Not stated	None
Other Fees
Extra Statement Charge (per statement)	$6	Not stated	None
Photocopies	$0.25	per item	None
Statement Print Out with images (per statement)	$6	Not stated	None

Correct a fee source

Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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