Bank Comparison
Mountain Valley Bank, N.A. vs Century Bank of Kentucky, INC.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Mountain Valley Bank, N.A. | Century Bank of Kentucky, INC. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.54% | 10.02% |
| Equity / Assets | 12.36% | 9.09% |
Profitability
| Metric | Mountain Valley Bank, N.A. | Century Bank of Kentucky, INC. |
|---|---|---|
| Return on Assets (ROA) | 1.35% | 2.07% |
| Return on Equity (ROE) | 10.92% | 23.28% |
| Net Interest Margin (NIM) | 4.33% | 3.90% |
| Yield on Earning Assets | 5.29% | 5.54% |
| Cost of Funds | 1.08% | 1.75% |
Asset quality
| Metric | Mountain Valley Bank, N.A. | Century Bank of Kentucky, INC. |
|---|---|---|
| Texas Ratio | 9.85% | 3.17% |
| Non-Performing Loan Ratio | 1.77% | 0.45% |
| Non-Performing Asset Ratio | 1.24% | 0.31% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.19% | 0.95% |
Balance sheet
| Metric | Mountain Valley Bank, N.A. | Century Bank of Kentucky, INC. |
|---|---|---|
| Total Assets | $204,197K | $204,272K |
| Total Deposits | $177,869K | $185,275K |
| Total Loans | $126,693K | $140,306K |
| Total Equity | $25,239K | $18,578K |
| Net Income (quarter) | $683 | $1,060K |
Liquidity & funding
| Metric | Mountain Valley Bank, N.A. | Century Bank of Kentucky, INC. |
|---|---|---|
| Loan-to-Deposit Ratio | 71.23% | 75.73% |
| Core Deposit Ratio | 96.91% | 95.41% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Mountain Valley Bank, N.A. | Century Bank of Kentucky, INC. |
|---|---|---|
| Headquarters City | ELKINS | LAWRENCEBURG |
| Headquarters State | WV | KY |
| Asset Tier | Small | Small |
| Charter Class | 9610 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 41 | 24 |
| Established | Jan. 1, 1909, midnight | July 5, 2000, 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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