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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 21.28 percentage points higher than in Q1 2026, at 215.66%. Among 109 Tennessee banks, Mountain Valley Bank sits 8th from the top on loan-to-deposit ratio, 101.36% as of Q2 2026. Mountain Valley Bank reported 101.36% on loan-to-deposit ratio for Q2 2026, 20.52 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $201.6M |
| Net loans and leases | $200.2M |
| Loans held for sale | $0 |
| Loans to total assets | 79.18% |
| Loan-to-deposit ratio | 101.36% |
| Net loans to equity capital | 7.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.11% |
| Multifamily (5+ residential) | 4.17% |
| Commercial and industrial | 8.89% |
| Consumer | 2.06% |
| Credit cards | 0.00% |
| Farm | 1.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 215.66% |
| Construction concentration (Tier 1 capital + allowance) | 94.76% |
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 | 6.78% |
| Interest income on loans | $3.4M |
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 | $174.3M | $158.4M | 23.81% | 6.50% | 3.28% |
| Q4 2023 | $187.2M | $164.5M | 25.67% | 7.06% | 2.98% |
| Q1 2024 | $193.4M | $173.6M | 25.65% | 7.53% | 2.90% |
| Q2 2024 | $195.4M | $172.0M | 25.46% | 6.97% | 2.61% |
| Q3 2024 | $205.1M | $204.9M | 24.92% | 7.56% | 2.43% |
| Q4 2024 | $204.9M | $202.1M | 25.56% | 7.79% | 2.38% |
| Q1 2025 | $210.4M | $205.1M | 27.04% | 8.78% | 2.08% |
| Q2 2025 | $207.4M | $209.0M | 26.01% | 8.71% | 1.80% |
| Q3 2025 | $214.7M | $205.1M | 28.96% | 9.26% | 1.82% |
| Q4 2025 | $206.6M | $204.2M | 31.63% | 7.95% | 1.85% |
| Q1 2026 | $205.9M | $201.1M | 29.79% | 8.05% | 1.79% |
| Q2 2026 | $201.6M | $198.9M | 28.11% | 8.89% | 2.06% |
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 1705) · FFIEC NIC profile (RSSD 714437)