Middletown Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Middletown Valley Bank of Middletown, MD against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.22% | 1.44% | -1.66% | 2nd bottom |
| ROAE | -2.48% | 12.52% | -15.00% | 2nd bottom |
| Net Interest Margin | 3.89% | 3.84% | +0.05% | 62nd above |
| Efficiency Ratio | 60.28% | 58.87% | +1.41% | 44th below |
| PPNR / Avg Assets | 1.65% | 1.78% | -0.13% | 45th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.57% | 5.71% | -0.14% | 52nd above |
| Cost of Funds | 1.81% | 2.03% | -0.22% | 61st above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.17% | 3.18% | -0.01% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.97% | -0.83% | 86th top |
| NPA / Total Assets | 0.11% | 0.75% | -0.64% | 85th top |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 85th top |
| ACL / Total Loans | 1.03% | 1.25% | -0.22% | 34th below |
| ACL / NPLs (Coverage) | 758.68% | 698.77% | +59.91% | 87th top |
| Texas Ratio | 1.23% | 7.17% | -5.94% | 85th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 394.25% | 815.08% | -420.83% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.72% | 17.41% | -5.69% | 19th bottom |
| Tier 1 Ratio | 11.72% | 17.45% | -5.73% | 19th bottom |
| Total Capital Ratio | 12.89% | 18.51% | -5.62% | 20th bottom |
| Leverage Ratio | 9.18% | 11.60% | -2.42% | 16th bottom |
| Equity / Assets | 8.43% | 11.33% | -2.90% | 12th bottom |
| TCE / Tangible Assets | 8.30% | 10.65% | -2.35% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.51% | 86.35% | +4.16% | 44th below |
| Core Deposit Ratio | 89.72% | 85.55% | +4.17% | 57th above |
| Uninsured Deposit Ratio | 23.23% | 32.72% | -9.49% | 76th top |
| Wholesale Funding Ratio | 0.42% | 5.46% | -5.04% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.94% | 10.46% | -1.52% | 71st above |
| Loan Growth (Y/Y) | 11.79% | 7.99% | +3.80% | 78th top |
| Deposit Growth (Y/Y) | 10.26% | 7.98% | +2.28% | 76th top |
See Middletown Valley Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Middletown Valley Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Middletown Valley Bank profile, how to read a UBPR, or how this data updates.