Mountain Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mountain Valley Bank of Walden, CO against its peer group of 2757 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 | 0.85% | 1.25% | -0.40% | 24th bottom |
| ROAE | 8.03% | 12.22% | -4.19% | 25th below |
| Net Interest Margin | 3.82% | 3.95% | -0.13% | 43rd below |
| Efficiency Ratio | 68.23% | 63.71% | +4.52% | 31st below |
| PPNR / Avg Assets | 1.20% | — | — | 28th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.67% | -0.01% | 52nd above |
| Cost of Funds | 1.97% | 1.87% | +0.10% | 38th below |
| Net Interest Spread | 3.17% | — | — | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.88% | -0.69% | 66th above |
| NPA / Total Assets | 0.14% | — | — | 66th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.15% | -0.03% | 17th bottom |
| ACL / Total Loans | 1.13% | — | — | 42nd below |
| ACL / NPLs (Coverage) | 585.25% | — | — | 73rd above |
| Texas Ratio | 1.30% | 5.96% | -4.66% | 65th above |
| Provision / NCO | 162.60% | — | — | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.51% | 11.75% | -1.24% | 41st below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.59% | 10.98% | -0.39% | 53rd above |
| TCE / Tangible Assets | 10.19% | — | — | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.11% | 80.44% | +11.67% | 24th bottom |
| Core Deposit Ratio | 79.22% | 86.95% | -7.73% | 15th bottom |
| Wholesale Funding Ratio | 8.53% | — | — | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.15% | — | — | 20th bottom |
| Loan Growth (Y/Y) | 1.57% | — | — | 28th below |
| Deposit Growth (Y/Y) | -0.69% | — | — | 19th bottom |
See Mountain Valley Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mountain 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 Mountain Valley Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Mountain Valley Bank peer analysis.