Mountain Valley Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 75.99 percentage points lower than in Q1 2026, at 112.52%. Mountain Valley Bank has the 10th lowest return on assets of the 109 banks headquartered in Tennessee, at 0.46% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Mountain Valley Bank reported 0.46% on return on assets in Q2 2026, 0.79 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.17% |
| Tier 1 risk-based capital ratio | 15.17% |
| Total risk-based capital ratio | 16.05% |
| Tier 1 leverage ratio | 10.02% |
| Equity capital to assets | 9.84% |
| Tangible equity to tangible assets | 9.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.62% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 4.98% |
| Allowance for credit losses to loans | 0.70% |
| Reserve coverage of non-performing loans | 112.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.46% |
| Return on equity | 4.69% |
| Net interest margin | 4.02% |
| Efficiency ratio | 85.38% |
| Yield on earning assets | 6.18% |
| Cost of funds | 2.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.36% |
| Core deposits to total deposits | 88.75% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.12% |
| Securities to assets | 9.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.71% | 14.71% | 15.96% | 10.43% | 1.99% |
| Q4 2023 | 13.81% | 13.81% | 15.05% | 9.78% | 0.22% |
| Q1 2024 | 13.33% | 13.33% | 14.49% | 9.50% | 0.31% |
| Q2 2024 | 13.42% | 13.42% | 14.67% | 9.46% | 0.20% |
| Q3 2024 | 13.76% | 13.76% | 15.01% | 9.08% | 0.17% |
| Q4 2024 | 13.23% | 13.23% | 14.28% | 8.87% | 0.52% |
| Q1 2025 | 13.33% | 13.33% | 14.34% | 9.30% | 0.31% |
| Q2 2025 | 13.75% | 13.75% | 14.78% | 9.24% | 0.32% |
| Q3 2025 | 13.39% | 13.39% | 14.38% | 9.32% | 0.69% |
| Q4 2025 | 14.38% | 14.38% | 15.44% | 9.60% | 0.86% |
| Q1 2026 | 14.79% | 14.79% | 15.64% | 9.71% | 0.55% |
| Q2 2026 | 15.17% | 15.17% | 16.05% | 10.02% | 0.46% |
Mountain Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mountain Valley Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)