Bank Comparison
Bank of Perry County vs Mountain Valley Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bank of Perry County | Mountain Valley Bank |
|---|---|---|
| CET1 Ratio | 13.15% | 14.79% |
| Tier 1 Capital Ratio | 13.15% | 14.79% |
| Total Capital Ratio | 14.31% | 15.64% |
| Tier 1 Leverage Ratio | 9.39% | 9.71% |
| Equity / Assets | 9.21% | 9.66% |
Profitability
| Metric | Bank of Perry County | Mountain Valley Bank |
|---|---|---|
| Return on Assets (ROA) | 1.68% | 0.55% |
| Return on Equity (ROE) | 17.94% | 5.78% |
| Net Interest Margin (NIM) | 4.16% | 3.90% |
| Yield on Earning Assets | 6.48% | 6.06% |
| Cost of Funds | 2.42% | 2.31% |
Asset quality
| Metric | Bank of Perry County | Mountain Valley Bank |
|---|---|---|
| Texas Ratio | 7.46% | 5.90% |
| Non-Performing Loan Ratio | 0.42% | 0.36% |
| Non-Performing Asset Ratio | 0.65% | 0.29% |
| Net Charge-Off Ratio | 0.00% | 0.79% |
| ACL / Loans | 1.01% | 0.67% |
Balance sheet
| Metric | Bank of Perry County | Mountain Valley Bank |
|---|---|---|
| Total Assets | $249,774K | $256,449K |
| Total Deposits | $220,987K | $201,055K |
| Total Loans | $200,333K | $205,867K |
| Total Equity | $22,998K | $24,761K |
| Net Income (quarter) | $1,027K | $357 |
Liquidity & funding
| Metric | Bank of Perry County | Mountain Valley Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 90.65% | 102.39% |
| Core Deposit Ratio | 89.63% | 87.84% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Perry County | Mountain Valley Bank |
|---|---|---|
| Headquarters City | LOBELVILLE | DUNLAP |
| Headquarters State | TN | TN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 7 |
| Employees (FTE) | 36 | 61 |
| Established | Sept. 1, 1905, midnight | Jan. 1, 1905, 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.
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