MOUNTAIN VALLEY BANK

DUNLAP, TN | Small | Est. Jan. 1, 1905, midnight | FDIC #1705 | RSSD #714437 | FDIC
Latest Report: 2025-12-31

MOUNTAIN VALLEY BANK is asn small FDIC-insured commercial bank headquartered in DUNLAP, TN, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $260M and total deposits of $204M. Profitability stands at 0.86% ROA and 9.22% ROE, with a net interest margin of 4.14%. The bank's CET1 capital ratio is 14.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.44% and a Texas Ratio of 3.46%. FDIC Certificate #1705.

Assets

$260M

Deposits

$204M

Loans

$207M

Equity

$25M

Profitability

Return on Assets (ROA) 0.86%
Return on Equity (ROE) 9.22%
Net Interest Margin (NIM) 4.14%
Yield on Assets 6.54%
Cost of Funds 2.45%

Asset Quality

NPL Ratio 0.44%
Net Charge-Off Ratio 0.03%
Texas Ratio 3.46%
NPA Ratio 0.35%
ACL / Loans 0.85%

Capital & Liquidity

CET1 Ratio 14.38%
Tier 1 Capital 14.38%
Total Capital Ratio 15.44%
Leverage Ratio 9.60%
Loan-to-Deposit 101.15%

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