Bank Comparison
Aroostook County Federal Savings & Loan Association vs Mountain Valley Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Aroostook County Federal Savings & Loan Association | Mountain Valley Bank, N.A. |
|---|---|---|
| CET1 Ratio | 17.05% | — |
| Tier 1 Capital Ratio | 17.05% | — |
| Total Capital Ratio | 17.75% | — |
| Tier 1 Leverage Ratio | 10.38% | 13.54% |
| Equity / Assets | 10.12% | 12.36% |
Profitability
| Metric | Aroostook County Federal Savings & Loan Association | Mountain Valley Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.90% | 1.35% |
| Return on Equity (ROE) | 8.99% | 10.92% |
| Net Interest Margin (NIM) | 3.21% | 4.33% |
| Yield on Earning Assets | 5.49% | 5.29% |
| Cost of Funds | 2.42% | 1.08% |
Asset quality
| Metric | Aroostook County Federal Savings & Loan Association | Mountain Valley Bank, N.A. |
|---|---|---|
| Texas Ratio | 3.79% | 9.85% |
| Non-Performing Loan Ratio | 0.24% | 1.77% |
| Non-Performing Asset Ratio | 0.40% | 1.24% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 0.58% | 1.19% |
Balance sheet
| Metric | Aroostook County Federal Savings & Loan Association | Mountain Valley Bank, N.A. |
|---|---|---|
| Total Assets | $204,279K | $204,197K |
| Total Deposits | $176,697K | $177,869K |
| Total Loans | $152,637K | $126,693K |
| Total Equity | $20,668K | $25,239K |
| Net Income (quarter) | $461 | $683 |
Liquidity & funding
| Metric | Aroostook County Federal Savings & Loan Association | Mountain Valley Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 86.38% | 71.23% |
| Core Deposit Ratio | 89.01% | 96.91% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Aroostook County Federal Savings & Loan Association | Mountain Valley Bank, N.A. |
|---|---|---|
| Headquarters City | CARIBOU | ELKINS |
| Headquarters State | ME | WV |
| Asset Tier | Small | Small |
| Charter Class | 703995 | 9610 |
| Regulator | OCC | OCC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 29 | 41 |
| Established | July 29, 1936, midnight | Jan. 1, 1909, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Aroostook County Federal Savings & Loan Association profile | View full Mountain Valley Bank, N.A. profile | Browse all bank comparisons