MIDDLETOWN VALLEY BANK

MIDDLETOWN, MD | Large | Est. Jan. 4, 1908, midnight | FDIC #14017 | RSSD #41825 | FDIC
Latest Report: 2025-12-31

MIDDLETOWN VALLEY BANK is aln large FDIC-insured commercial bank headquartered in MIDDLETOWN, MD, established in Jan. 4, 1908, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $985M. Profitability stands at 0.94% ROA and 10.43% ROE, with a net interest margin of 3.88%. The bank's CET1 capital ratio is 11.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 1.82%. FDIC Certificate #14017.

Assets

$1.1B

Deposits

$985M

Loans

$935M

Equity

$101M

Profitability

Return on Assets (ROA) 0.94%
Return on Equity (ROE) 10.43%
Net Interest Margin (NIM) 3.88%
Yield on Assets 5.78%
Cost of Funds 1.94%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.82%
NPA Ratio 0.18%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 11.96%
Tier 1 Capital 11.96%
Total Capital Ratio 13.14%
Leverage Ratio 9.48%
Loan-to-Deposit 94.88%

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