CAPON VALLEY BANK

WARDENSVILLE, WV · Supervised by FDIC

Est. 1918FDIC #9,998RSSD: FDIC-9998

Part ofHIGHLANDS BANKSHARES INC→ View all charters

Satisfactory Down

Current rating · Exam: July 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.01%

Institution Profile

FDIC BankFind

Website

www.caponvalleybank.com

Address

2 W Main St, WARDENSVILLE, WV

County

Hardy County

Established

July 1, 1918

Total Assets

$240M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2024

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$240M

Total Deposits

$214M

Net Loans

$175M

Net Income

$601K

ROA

1.01%

ROE

10.79%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate2.35%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$209M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	85	96.47%	2.35%
2023	89	88.76%	5.62%
2022	135	87.41%	9.63%
2021	147	95.24%	2.04%
2020	113	94.69%	4.42%
2019	121	89.26%	9.92%
2018	120	91.67%	5.83%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 2 exams

1 previous rating locked — dating back to 2018

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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