Mountain Valley Bank (Walden, CO)
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Data as of · sourced from FFIEC call reports. How we update
Mountain Valley Bank is an FDIC-insured commercial bank headquartered in Walden, CO, established in 1955 (FDIC certificate 17411), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $556.5M, up 0.2% from Q2 2025, the 19th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.51% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 17411
- Headquarters
- Walden, CO
- Established
- 1955
- Total assets, Q2 2026
- $556.5M
- Assets vs Q2 2025
- +0.2%
- Tier 1 leverage ratio, Q2 2026
- 10.51%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 102104846
- Latest call report
- Q2 2026, FFIEC 051 · Mountain Valley Bank call report
- Holding company
- PLATTE VALLEY FINANCIAL SERVICE COMPANIES, INC.
- Asset rank in state
- 19th of 63 in Colorado
Little in Mountain Valley Bank's latest call report stands out. The Walden, Colorado bank had $557 million in assets at June 30, 2026. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Profitability lags: it earns about $0.85 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Mountain Valley Bank reported a return on assets of 0.85%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.30%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Mountain Valley Bank is the 19th largest of the 63 banks headquartered in Colorado. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $556.5M, loans fell 1.0% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 30.0% of total loans, followed by owner-occupied commercial real estate loans at 13.8%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in CO; its Steamboat Springs 2 offices book 30% of its branch deposits. Judged on its Q2 2026 call report, Mountain Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 461 Main St, Walden, CO 80480
- County
- Jackson
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 21, 1955
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 64
- Domestic deposits
- $445.4M
- Allowance for credit losses
- $4.6M
- Net charge-offs (YTD)
- $156K
- Average total assets
- $556.9M
- Average total loans
- $413.9M
- Average interest-bearing deposits
- $343.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 21, 1955
- FDIC Cert
- 17411
- Fed RSSD
- 475653
- Website
- http://www.bankmvb.com →
- Parent Holding Company
- PLATTE VALLEY FINANCIAL SERVICE COMPANIES, INC. (RSSD 2511014)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Mountain Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Mountain Valley Bank's total assets ranged from $528.9M (Q2 2024) to $571.9M (Q4 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$556.5M total assets against $555.7M; $497.6M total liabilities against $500.4M.
$405.6M net loans and leases against $399.1M; $445.4M total deposits against $448.5M.
$90.2M securities against $105.7M; $30.1M cash and balances due against $19.4M.
$7.5M total interest income against $7.4M; $2.4M total interest expense against $2.7M.
$5.0M net interest income against $4.6M.
$378K total noninterest income against $448K; $3.8M total noninterest expense against $3.6M.
$200K provision for credit losses against $109K.
$1.2M net income against $1.1M.
0.85% return on assets against 0.77%; 3.82% net interest margin against 3.47%.
10.51% tier 1 leverage ratio against 9.86%.
Inside the full Mountain Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMountain Valley Bank rankings
Its closest position to the top of a national ranking is 1,645 of 4,196, for total assets; its furthest is 2,811 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.76% (Q1 2025) to 1.11% (Q4 2025) and its net interest margin ran from 3.23% (Q1 2025) to 3.88% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.51% | 0.85% | 0.19% | 1.30% | 3.82% |
| Q1 2026 | 10.37% | 0.98% | 0.22% | 1.50% | 3.70% |
| Q4 2025 | 10.18% | 1.11% | 0.20% | 1.36% | 3.88% |
| Q3 2025 | 10.16% | 0.90% | 0.21% | 1.49% | 3.60% |
| Q2 2025 | 9.86% | 0.77% | 0.24% | 1.67% | 3.47% |
| Q1 2025 | 9.56% | 0.76% | 0.28% | 1.97% | 3.23% |
| Q4 2024 | 9.67% | 0.93% | 0.35% | 2.57% | 3.30% |
| Q3 2024 | 9.72% | 0.91% | 0.21% | 1.50% | 3.31% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Curve- Stmbt Branch | Steamboat Springs , CO | 80487 | $103.7M |
| Greeley Branch | Greeley , CO | 80634 | $80.8M |
| Mountain Valley Bank (main office) | Walden , CO | 80480 | $75.3M |
| Meeker Branch | Meeker , CO | 81641 | $73.9M |
| Hayden Branch | Hayden , CO | 81639 | $55.7M |
| Wildhorse - Stmbt Branch | Steamboat Springs , CO | 80487 | $31.0M |
| South Fort Collins Branch | Fort Collins , CO | 80528 | $24.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 8, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 8, 2021 | Structure Change | Acquired Cache Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CO, rank 39 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 75 applications, 53 loans originated, $18.8M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Mountain Valley Bank
What are Mountain Valley Bank's total assets?
As of the Q2 2026 filing, Mountain Valley Bank reported total assets of $556.5 million in its FFIEC call report.
Where is Mountain Valley Bank headquartered?
It is headquartered in Walden, CO, United States.
When was Mountain Valley Bank founded?
It was established in 1955, per the FDIC institution directory.
Is Mountain Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17411). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mountain Valley Bank?
Mountain Valley Bank's primary federal regulator is the Federal Reserve.
How many branches does Mountain Valley Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mountain Valley Bank's Texas Ratio?
Its Texas Ratio is 1.30% 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.
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