Mountain Valley Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 17.12 percentage points in Q2 2026, from 150.48% to 133.35%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Mountain Valley Bank is 21st of 63 on loan-to-deposit ratio, 92.11% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Mountain Valley Bank sits 11.56 points higher, at 92.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $410.3M |
| Net loans and leases | $405.6M |
| Loans held for sale | $1.4M |
| Loans to total assets | 73.71% |
| Loan-to-deposit ratio | 92.11% |
| Net loans to equity capital | 6.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.67% |
| Multifamily (5+ residential) | 0.12% |
| Commercial and industrial | 13.11% |
| Consumer | 1.85% |
| Credit cards | 0.21% |
| Farm | 11.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.51% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 133.35% |
| Construction concentration (Tier 1 capital + allowance) | 48.34% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.63% |
| Interest income on loans | $6.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $361.8M | $410.4M | 30.04% | 10.26% | 3.02% |
| Q4 2023 | $363.2M | $421.2M | 29.83% | 10.53% | 2.99% |
| Q1 2024 | $358.0M | $411.8M | 30.50% | 10.56% | 3.52% |
| Q2 2024 | $362.1M | $406.0M | 29.30% | 12.28% | 3.40% |
| Q3 2024 | $381.1M | $422.2M | 32.58% | 11.78% | 2.63% |
| Q4 2024 | $399.5M | $435.3M | 32.29% | 12.18% | 2.52% |
| Q1 2025 | $394.0M | $436.6M | 28.79% | 12.48% | 2.36% |
| Q2 2025 | $403.9M | $448.5M | 28.55% | 12.50% | 2.26% |
| Q3 2025 | $411.3M | $450.2M | 28.91% | 11.31% | 2.16% |
| Q4 2025 | $406.0M | $453.2M | 26.45% | 11.54% | 2.15% |
| Q1 2026 | $414.4M | $447.4M | 26.73% | 12.67% | 1.98% |
| Q2 2026 | $410.3M | $445.4M | 26.67% | 13.11% | 1.85% |
Mountain Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mountain Valley Bank, freeSource: Call Report Schedule RC-C, 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 Mountain Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17411) · FFIEC NIC profile (RSSD 475653)