Middletown Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Middletown Valley Bank is an FDIC-insured commercial bank headquartered in Middletown, MD, established in 1908 (FDIC certificate 14017), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.19B, up 8.9% from Q2 2025, the 8th largest of 27 banks headquartered in Maryland. Its CET1 capital ratio was 11.72% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14017
- Headquarters
- Middletown, MD
- Established
- 1908
- Total assets, Q2 2026
- $1.19B
- Assets vs Q2 2025
- +8.9%
- CET1 ratio, Q2 2026
- 11.72%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 055001258
- Latest call report
- Q2 2026, FFIEC 041 · Middletown Valley Bank call report
- Holding company
- COMMUNITY HERITAGE FINANCIAL, INC.
- Asset rank in state
- 8th of 27 in Maryland
Middletown Valley Bank spends more to run itself than most banks of its size. It reported $1.2 billion in assets at June 30, 2026, up 8.9% from a year earlier. It loses about $0.22 a year on every $100 of assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also funds 9.18% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
It lost $633,000 in the quarter.
As of June 30, 2026, Middletown Valley Bank reported a CET1 capital ratio of 11.72%, a return on assets of -0.22%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 1.12%. The figures come from its call report filed with the FFIEC.
Middletown Valley Bank ranks as the 8th largest of the 27 banks based in Maryland, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.5% to $1.19B, loans rose 2.7% and deposits rose 8.2%. 1-4 family residential loans made up 35.0% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 19.2%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities across 2 states; its Hagerstown 2 offices book 48% of its branch deposits. Judged on its Q2 2026 call report, Middletown Valley Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 803 E Main St, Middletown, MD 21769
- County
- Frederick
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 4, 1908
- Former names
- Middletown Savings Bank of Frederick County Maryland (1936-1965)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 175
- Domestic deposits
- $1.08B
- Allowance for credit losses
- $10.1M
- Net charge-offs (YTD)
- $87K
- Average total assets
- $1.15B
- Average total loans
- $954.4M
- Average interest-bearing deposits
- $738.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 8, 1934
- FDIC Cert
- 14017
- Fed RSSD
- 41825
- SEC CIK
- 1792597 → filed by COMMUNITY HERITAGE FINANCIAL, INC.
- Website
- www.mvbbank.com →
- Parent Holding Company
- COMMUNITY HERITAGE FINANCIAL, INC. (RSSD 5292707)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Middletown Valley Bank's total assets ran between $988.6M (Q4 2023) and $1.19B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.19B total assets against $1.10B; $1.09B total liabilities against $999.6M.
$966.5M net loans and leases against $864.9M; $1.08B total deposits against $978.5M.
$117.1M securities against $135.5M; $76.7M cash and balances due against $67.2M.
$15.5M total interest income against $14.0M; $4.7M total interest expense against $4.9M.
$10.8M net interest income against $9.1M.
$1.2M total noninterest income against $1.1M; $7.3M total noninterest expense against $6.4M.
$344K provision for credit losses against $148K.
-$633K net income against $2.7M.
-0.22% return on assets against 1.01%; 3.89% net interest margin against 3.48%.
11.72% CET1 capital ratio against 12.28%; 9.18% tier 1 leverage ratio against 9.29%.
Inside the full Middletown Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Middletown Valley Bank rankings
Its closest position to the top of a national ranking is 889 of 4,196, for total assets; its furthest is 3,531 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.22% (Q2 2026) to 1.13% (Q1 2026) and its net interest margin ran from 3.06% (Q3 2024) to 3.89% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.72% | -0.22% | 0.12% | 1.12% | 3.89% |
| Q1 2026 | 12.01% | 1.13% | 0.13% | 1.10% | 3.74% |
| Q4 2025 | 11.96% | 0.94% | 0.22% | 1.85% | 3.69% |
| Q3 2025 | 12.15% | 0.80% | 0.23% | 1.92% | 3.53% |
| Q2 2025 | 12.28% | 1.01% | 0.17% | 1.40% | 3.48% |
| Q1 2025 | 12.11% | 0.83% | 0.17% | 1.49% | 3.45% |
| Q4 2024 | 12.12% | 0.74% | 0.18% | 1.56% | 3.27% |
| Q3 2024 | 12.27% | 0.85% | 0.18% | 1.58% | 3.06% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Eastern Boulevard | Hagerstown , MD | 21740 | $437.5M |
| Middletown Valley Bank (main office) | Middletown , MD | 21769 | $208.9M |
| Jefferson Branch | Jefferson , MD | 21755 | $103.2M |
| Paramount Branch | Hagerstown , MD | 21742 | $80.9M |
| Boonsboro Branch | Boonsboro , MD | 21713 | $77.7M |
| Myersville Branch | Myersville , MD | 21773 | $76.8M |
| Waynesboro Branch Office | Waynesboro , PA | 17268 | $52.6M |
| North Market Branch | Frederick , MD | 21701 | $41.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in MD, rank 22 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 135 applications, 116 loans originated, $63.3M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Middletown Valley Bank
What are Middletown Valley Bank's total assets?
As of the Q2 2026 filing, Middletown Valley Bank reported total assets of $1.19 billion in its FFIEC call report.
Where is Middletown Valley Bank headquartered?
It is headquartered in Middletown, MD, United States.
When was Middletown Valley Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Middletown Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14017). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Middletown Valley Bank?
Middletown Valley Bank's primary federal regulator is the FDIC.
What is Middletown Valley Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.72% in its Q2 2026 call report, above regulatory requirements.
How many branches does Middletown Valley Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Middletown Valley Bank's Texas Ratio?
Its Texas Ratio is 1.12% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Middletown Valley Bank previously called?
The charter now named Middletown Valley Bank has also operated as Middletown Savings Bank of Frederick County Maryland (1936-1965), per FDIC structure-change records.
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