Bank Comparison
York State Bank vs Mountain Valley Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 5
winning metrics across 19 comparable rows
Capital adequacy
| Metric | York State Bank | Mountain Valley Bank, N.A. |
|---|---|---|
| CET1 Ratio | 17.96% | — |
| Tier 1 Capital Ratio | 17.96% | — |
| Total Capital Ratio | 19.02% | — |
| Tier 1 Leverage Ratio | 14.04% | 13.54% |
| Equity / Assets | 15.25% | 12.36% |
Profitability
| Metric | York State Bank | Mountain Valley Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 2.21% | 1.35% |
| Return on Equity (ROE) | 14.15% | 10.92% |
| Net Interest Margin (NIM) | 4.71% | 4.33% |
| Yield on Earning Assets | 5.83% | 5.29% |
| Cost of Funds | 1.23% | 1.08% |
Asset quality
| Metric | York State Bank | Mountain Valley Bank, N.A. |
|---|---|---|
| Texas Ratio | 0.81% | 9.85% |
| Non-Performing Loan Ratio | 0.17% | 1.77% |
| Non-Performing Asset Ratio | 0.11% | 1.24% |
| Net Charge-Off Ratio | 0.05% | 0.01% |
| ACL / Loans | 1.20% | 1.19% |
Balance sheet
| Metric | York State Bank | Mountain Valley Bank, N.A. |
|---|---|---|
| Total Assets | $204,221K | $204,197K |
| Total Deposits | $171,893K | $177,869K |
| Total Loans | $133,118K | $126,693K |
| Total Equity | $31,147K | $25,239K |
| Net Income (quarter) | $1,090K | $683 |
Liquidity & funding
| Metric | York State Bank | Mountain Valley Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 77.44% | 71.23% |
| Core Deposit Ratio | 94.05% | 96.91% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | York State Bank | Mountain Valley Bank, N.A. |
|---|---|---|
| Headquarters City | YORK | ELKINS |
| Headquarters State | NE | WV |
| Asset Tier | Small | Small |
| Charter Class | 0 | 9610 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 4 |
| Employees (FTE) | 20 | 41 |
| Established | July 1, 1943, 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 York State Bank profile | View full Mountain Valley Bank, N.A. profile | Browse all bank comparisons