Mountain Valley Bank
Mountain Valley Bank is an FDIC-insured commercial bank. On its most recent Q1 2026 call report, Mountain Valley reported $256M in total assets against $201M in deposits. Profitability runs below industry average — 0.55% ROA, 5.78% ROE, with NIM at 3.90%. Capital is comfortably above regulatory minimums — CET1 ratio of 14.79% sits well above the 7% well-capitalized threshold. Asset quality is pristine — 0.36% NPLs and a 5.90% Texas Ratio. It operates 7 branches, primarily in Tennessee.
Headquarters Profile
- Address
- 17114 Rankin Ave, DUNLAP, TN 37327
- County
- Sequatchie
- Metro Area
- CHATTANOOGA, TN-GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- January 1, 1905
- Branches
- 7 domestic
- Employees (FTE)
- 61
- FDIC Cert
- 1705
- Fed RSSD
- 714437
- Parent Holding Company
- SEQUATCHIE COUNTY BANCORP, INC. (RSSD 1134751)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Mountain Valley Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Mountain Valley Bank
What are Mountain Valley Bank's total assets?
As of the Q1 2026 filing, Mountain Valley Bank reported total assets of $256.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Mountain Valley Bank headquartered?
Mountain Valley Bank is headquartered in DUNLAP, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Mountain Valley Bank founded?
Mountain Valley Bank was established in 1905, per the FDIC institution directory.
Is Mountain Valley Bank FDIC-insured?
Yes. Mountain Valley Bank is an FDIC-insured commercial bank (FDIC Certificate #1705). 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 FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Mountain Valley Bank's CET1 capital ratio?
Mountain Valley Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.79% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Mountain Valley Bank operate?
Mountain Valley Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Mountain Valley Bank's Texas Ratio?
Mountain Valley Bank's Texas Ratio is 5.90% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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