Bank Comparison
Calhoun County Bank, INC. vs Mountain Valley Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Calhoun County Bank, INC. | Mountain Valley Bank, N.A. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.48% | 13.54% |
| Equity / Assets | 10.08% | 12.36% |
Profitability
| Metric | Calhoun County Bank, INC. | Mountain Valley Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.22% | 1.35% |
| Return on Equity (ROE) | 12.31% | 10.92% |
| Net Interest Margin (NIM) | 4.16% | 4.33% |
| Yield on Earning Assets | 5.24% | 5.29% |
| Cost of Funds | 1.15% | 1.08% |
Asset quality
| Metric | Calhoun County Bank, INC. | Mountain Valley Bank, N.A. |
|---|---|---|
| Texas Ratio | 8.76% | 9.85% |
| Non-Performing Loan Ratio | 1.40% | 1.77% |
| Non-Performing Asset Ratio | 0.91% | 1.24% |
| Net Charge-Off Ratio | 0.02% | 0.01% |
| ACL / Loans | 1.39% | 1.19% |
Balance sheet
| Metric | Calhoun County Bank, INC. | Mountain Valley Bank, N.A. |
|---|---|---|
| Total Assets | $210,289K | $204,197K |
| Total Deposits | $187,292K | $177,869K |
| Total Loans | $137,283K | $126,693K |
| Total Equity | $21,206K | $25,239K |
| Net Income (quarter) | $645 | $683 |
Liquidity & funding
| Metric | Calhoun County Bank, INC. | Mountain Valley Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 73.30% | 71.23% |
| Core Deposit Ratio | 92.32% | 96.91% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Calhoun County Bank, INC. | Mountain Valley Bank, N.A. |
|---|---|---|
| Headquarters City | GRANTSVILLE | ELKINS |
| Headquarters State | WV | WV |
| Asset Tier | Small | Small |
| Charter Class | 0 | 9610 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 4 |
| Employees (FTE) | 40 | 41 |
| Established | — | 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 Calhoun County Bank, INC. profile | View full Mountain Valley Bank, N.A. profile | Browse all bank comparisons