Bank Comparison
Mountain Valley Bank vs Bank of Holland
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Mountain Valley Bank | Bank of Holland |
|---|---|---|
| CET1 Ratio | 14.79% | 14.12% |
| Tier 1 Capital Ratio | 14.79% | 14.12% |
| Total Capital Ratio | 15.64% | 15.33% |
| Tier 1 Leverage Ratio | 9.71% | 8.90% |
| Equity / Assets | 9.66% | 8.00% |
Profitability
| Metric | Mountain Valley Bank | Bank of Holland |
|---|---|---|
| Return on Assets (ROA) | 0.55% | 1.22% |
| Return on Equity (ROE) | 5.78% | 15.04% |
| Net Interest Margin (NIM) | 3.90% | 3.82% |
| Yield on Earning Assets | 6.06% | 5.01% |
| Cost of Funds | 2.31% | 1.24% |
Asset quality
| Metric | Mountain Valley Bank | Bank of Holland |
|---|---|---|
| Texas Ratio | 5.90% | 2.79% |
| Non-Performing Loan Ratio | 0.36% | 0.28% |
| Non-Performing Asset Ratio | 0.29% | 0.20% |
| Net Charge-Off Ratio | 0.79% | 0.00% |
| ACL / Loans | 0.67% | 1.02% |
Balance sheet
| Metric | Mountain Valley Bank | Bank of Holland |
|---|---|---|
| Total Assets | $256,449K | $256,103K |
| Total Deposits | $201,055K | $229,713K |
| Total Loans | $205,867K | $185,098K |
| Total Equity | $24,761K | $20,491K |
| Net Income (quarter) | $357 | $759 |
Liquidity & funding
| Metric | Mountain Valley Bank | Bank of Holland |
|---|---|---|
| Loan-to-Deposit Ratio | 102.39% | 80.58% |
| Core Deposit Ratio | 87.84% | 90.28% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Mountain Valley Bank | Bank of Holland |
|---|---|---|
| Headquarters City | DUNLAP | HOLLAND |
| Headquarters State | TN | NY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 3 |
| Employees (FTE) | 61 | 37 |
| Established | Jan. 1, 1905, midnight | Oct. 21, 1893, 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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