MOUNTAIN VALLEY BANK

WALDEN, CO | Medium | Est. Feb. 21, 1955, midnight | FDIC #17411 | RSSD #475653 | FED
Latest Report: 2025-12-31

MOUNTAIN VALLEY BANK is amn medium FDIC-insured commercial bank headquartered in WALDEN, CO, established in Feb. 21, 1955, midnight. As of 2025-12-31, the bank reported total assets of $562M and total deposits of $453M. Profitability stands at 1.10% ROA and 10.82% ROE, with a net interest margin of 4.00%. The bank's CET1 capital ratio is 9.47%. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 1.28%. FDIC Certificate #17411.

Assets

$562M

Deposits

$453M

Loans

$406M

Equity

$57M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 10.82%
Net Interest Margin (NIM) 4.00%
Yield on Assets 5.89%
Cost of Funds 1.94%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.28%
NPA Ratio 0.14%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 9.47%
Tier 1 Capital 9.47%
Total Capital Ratio 9.94%
Leverage Ratio 10.18%
Loan-to-Deposit 89.60%

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