MOUNTAIN VALLEY BANK, N.A.

ELKINS, WV | Small | Est. Jan. 1, 1909, midnight | FDIC #6786 | RSSD #1011432 | OCC
Latest Report: 2025-12-31

MOUNTAIN VALLEY BANK, N.A. is asn small FDIC-insured commercial bank headquartered in ELKINS, WV, established in Jan. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $199M and total deposits of $173M. Profitability stands at 1.51% ROA and 12.16% ROE, with a net interest margin of 4.77%. The bank's CET1 capital ratio is 12.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 1.44%. FDIC Certificate #6786.

Assets

$199M

Deposits

$173M

Loans

$123M

Equity

$25M

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 12.16%
Net Interest Margin (NIM) 4.77%
Yield on Assets 5.80%
Cost of Funds 1.09%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio 0.04%
Texas Ratio 1.44%
NPA Ratio 0.19%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 12.46%
Tier 1 Capital 12.46%
Total Capital Ratio 13.09%
Leverage Ratio 13.14%
Loan-to-Deposit 71.21%

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