Bank · FDIC insured
Capon Valley Bank
A $244.2M bank headquartered in Wardensville, WV, with 6 branches in 2 states. Best rates: CDs 2.47% and savings 0.40% APY.
Capon Valley Bank Carrot Score
63
Carrot Score
Higher than 9% of U.S. banks and credit unions
#11 of 12 in Winchester, VA-WV metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Capon Valley Bank
Capon Valley Bank was founded in 1918 in Wardensville, West Virginia, and merged in 1986 with Highlands Bankshares Inc. while maintaining independent operations under its own local board.
The bank operates five branch offices across West Virginia and Virginia.
- Headquarters
- 2 W Main St, Wardensville, WV 26851
- FDIC certificate
- 9998 ↗
Branches
6 branches in 2 states
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Virginia
3 branches
- Western Frederick Branch6701 Northwestern Pike, Gore, VA 22637Directions
- Stephens City Branch5511 Main St, Stephens City, VA 22655Directions
- North Winchester Branch241 Ezra Ln, Winchester, VA 22603Directions
West Virginia
3 branches
Wardensville area · 1
- Capon Valley BankMain office2 W Main St, Wardensville, WV 26851Directions
Baker area · 1
- Baker Branch17558 Old Route 55, Baker, WV 26801Directions
Moorefield area · 1
- Moorefield Branch717 N Main St, Moorefield, WV 26836Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.67% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.27% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.16% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $82 | $81 | — |
- CapitalLeverage ratio9.67%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.27%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.16%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$82Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Capon Valley Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.