Poca Valley Bank, a subsidiary of Poca Valley Bankshares, is a commercial bank with locations in Clendenin, Elkview, Poca, Sissonville, Spencer and Winfield, W.Va. The bank offers a range of deposit products, such as checking and savings accounts, money market accounts, certificates of deposit and individual retirement accounts. It also provides a variety of consumer, municipal and commercial loans, including automobile loans, mortgages, home equity, construction, secured and unsecured installment loans, Small Business Administration loans and agricultural loans. The bank is an Equal Housing Lender and a member of the Federal Deposit Insurance Corporation. Poca Valley Bank employs more than 40 people and maintains a branch location in Walton, W.Va.