Mountain Valley Bank (Dunlap, TN)
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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 Dunlap, TN, established in 1905 (FDIC certificate 1705), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $254.6M, down 3.3% from Q2 2025, the 79th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 15.17% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1705
- Headquarters
- Dunlap, TN
- Established
- 1905
- Total assets, Q2 2026
- $254.6M
- Assets vs Q2 2025
- -3.3%
- CET1 ratio, Q2 2026
- 15.17%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 064103697
- Holding company
- SEQUATCHIE COUNTY BANCORP, INC.
- Asset rank in state
- 79th of 109 in Tennessee
Mountain Valley Bank spends more to run itself than most banks of its size. Based in Dunlap, Tennessee, it had $255 million in assets at June 30, 2026, down 3.3% from a year earlier. It spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also lost 4.9% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Delinquency has appeared in its $24 million non-owner-occupied commercial real estate book: 7.89% of those loans are past due or on nonaccrual, against almost none a year earlier. Earnings jumped: net income for the quarter was $292,000, 42% above the same quarter a year earlier. Profitability lags: it earns about $0.46 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
As of June 30, 2026, Mountain Valley Bank reported a CET1 capital ratio of 15.17%, a return on assets of 0.46%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 4.09%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Mountain Valley Bank is the 79th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.7% to $254.6M, loans fell 2.1% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 42.7% of total loans, ahead of owner-occupied commercial real estate loans at 16.3%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in TN; its Dunlap 2 offices book 71% of its branch deposits. On its Q2 2026 call report, Mountain Valley Bank meets every capital ratio test for well capitalized.
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
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 61
- Domestic deposits
- $198.9M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $424K
- Average total assets
- $253.5M
- Average total loans
- $202.3M
- Average interest-bearing deposits
- $160.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1705
- Fed RSSD
- 714437
- Website
- www.mtnvalleybankonline.com →
- Parent Holding Company
- SEQUATCHIE COUNTY BANCORP, INC. (RSSD 1134751)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Mountain Valley Bank's total assets ranged from $218.1M (Q3 2023) to $263.4M (Q2 2025), 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
$254.6M total assets against $263.4M; $229.6M total liabilities against $240.0M.
$200.2M net loans and leases against $205.6M; $198.9M total deposits against $209.0M.
$24.5M securities against $25.7M; $16.7M cash and balances due against $20.8M.
$3.7M total interest income against $3.7M; $1.3M total interest expense against $1.5M.
$2.4M net interest income against $2.2M.
$276K total noninterest income against $240K; $2.3M total noninterest expense against $2.3M.
$30K provision for credit losses against $0.
$292K net income against $205K.
0.46% return on assets against 0.32%; 4.02% net interest margin against 3.57%.
15.17% CET1 capital ratio against 13.75%; 10.02% tier 1 leverage ratio against 9.24%.
Inside the full Mountain Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Mountain Valley Bank rankings
Its closest position to the top of a national ranking is 850 of 2,134, for CET1 ratio; its furthest is 3,379 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.17% (Q3 2024) to 0.86% (Q4 2025) and its net interest margin ran from 3.47% (Q4 2024) to 4.02% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.17% | 0.46% | 0.54% | 4.09% | 4.02% |
| Q1 2026 | 14.79% | 0.55% | 0.63% | 4.99% | 3.90% |
| Q4 2025 | 14.38% | 0.86% | 1.27% | 9.99% | 3.96% |
| Q3 2025 | 13.39% | 0.69% | 0.54% | 4.52% | 3.82% |
| Q2 2025 | 13.75% | 0.32% | 0.38% | 3.10% | 3.57% |
| Q1 2025 | 13.33% | 0.31% | 0.50% | 4.23% | 3.53% |
| Q4 2024 | 13.23% | 0.52% | 0.39% | 3.34% | 3.47% |
| Q3 2024 | 13.76% | 0.17% | 0.35% | 3.01% | 3.52% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Mountain Valley Bank (main office) | Dunlap , TN | 37327 | $140.4M |
| Monteagle Branch | Monteagle , TN | 37356 | $30.9M |
| Ooltewah Branch | Ooltewah , TN | 37363 | $19.7M |
| Jasper Branch | Jasper , TN | 37347 | $8.0M |
| Dunlap Branch - Drive Thru | Dunlap , TN | 37327 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 111 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 $254.6 million in its FFIEC call report.
Where is Mountain Valley Bank headquartered?
It is headquartered in Dunlap, TN, United States.
When was Mountain Valley Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Mountain Valley Bank FDIC-insured?
Yes. It 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.
What is Mountain Valley Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
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 4.09% 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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