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 Dunlap, TN against its peer group of 2672 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 | 0.46% | 1.35% | -0.89% | 12th bottom |
| ROAE | 4.69% | 12.06% | -7.37% | 13th bottom |
| Net Interest Margin | 4.02% | 3.90% | +0.12% | 54th above |
| Efficiency Ratio | 85.38% | 63.14% | +22.24% | 9th bottom |
| PPNR / Avg Assets | 0.62% | 1.64% | -1.02% | 11th bottom |
| Yield on Earning Assets | 6.18% | 5.65% | +0.53% | 76th top |
| Cost of Funds | 2.29% | 1.85% | +0.44% | 22nd bottom |
| Net Interest Spread | 3.48% | 3.35% | +0.13% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.62% | 0.92% | -0.30% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.49% | 0.67% | -0.18% | 39th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 32nd below |
| ACL / Total Loans | 0.70% | 1.28% | -0.58% | 7th bottom |
| ACL / NPLs (Coverage) | 112.52% | 1645.79% | -1533.27% | 32nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.98% | 7.15% | -2.17% | 41st below |
| Provision / NCO | 16.04% | 1189.91% | -1173.87% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.17% | 20.83% | -5.66% | 50th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.17% | 20.87% | -5.70% | 50th above |
| Total Capital Ratio | 16.05% | 21.94% | -5.89% | 48th below |
| Leverage Ratio | 10.02% | 12.46% | -2.44% | 32nd below |
| Equity / Assets | 9.84% | 11.67% | -1.83% | 42nd below |
| TCE / Tangible Assets | 9.84% | 11.40% | -1.56% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.36% | 78.64% | +22.72% | 10th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.75% | 87.09% | +1.66% | 48th below |
| Wholesale Funding Ratio | 11.78% | 5.11% | +6.67% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.34% | 6.48% | -9.82% | 7th bottom |
| Loan Growth (Y/Y) | -2.78% | 7.64% | -10.42% | 13th bottom |
| Deposit Growth (Y/Y) | -4.85% | 6.03% | -10.88% | 7th bottom |
See Mountain Valley Bank's peers by name
The 2672 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.