Middletown Valley Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 41.07 percentage points in Q2 2026, from 717.60% to 758.68%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Middletown Valley Bank is 2nd from the bottom among 27 Maryland banks, -0.22% (Q2 2026). Middletown Valley Bank's return on assets of -0.22% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 1.50 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.72% |
| Tier 1 risk-based capital ratio | 11.72% |
| Total risk-based capital ratio | 12.89% |
| Tier 1 leverage ratio | 9.18% |
| Equity capital to assets | 8.43% |
| Tangible equity to tangible assets | 8.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.23% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 758.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.22% |
| Return on equity | -2.48% |
| Net interest margin | 3.89% |
| Efficiency ratio | 60.28% |
| Yield on earning assets | 5.57% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.51% |
| Core deposits to total deposits | 89.72% |
| Brokered deposits to total deposits | 2.01% |
| Deposits to assets | 90.40% |
| Securities to assets | 9.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.15% | 12.15% | 13.21% | 9.34% | 0.66% |
| Q4 2023 | 12.02% | 12.02% | 13.10% | 9.10% | 0.47% |
| Q1 2024 | 11.98% | 11.98% | 13.07% | 8.84% | 0.63% |
| Q2 2024 | 11.98% | 11.98% | 13.07% | 8.69% | 0.65% |
| Q3 2024 | 12.27% | 12.27% | 13.36% | 8.90% | 0.85% |
| Q4 2024 | 12.12% | 12.12% | 13.23% | 9.06% | 0.74% |
| Q1 2025 | 12.11% | 12.11% | 13.23% | 9.47% | 0.83% |
| Q2 2025 | 12.28% | 12.28% | 13.41% | 9.29% | 1.01% |
| Q3 2025 | 12.15% | 12.15% | 13.36% | 9.32% | 0.80% |
| Q4 2025 | 11.96% | 11.96% | 13.14% | 9.48% | 0.94% |
| Q1 2026 | 12.01% | 12.01% | 13.16% | 9.47% | 1.13% |
| Q2 2026 | 11.72% | 11.72% | 12.89% | 9.18% | -0.22% |
Middletown Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Middletown Valley Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Middletown Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14017) · FFIEC NIC profile (RSSD 41825)