Mountain Valley Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Mountain Valley Bank, N.A. is an FDIC-insured commercial bank headquartered in Elkins, WV, established in 1909 (FDIC certificate 6786), and it is supervised by the OCC. At Q2 2026 it reported total assets of $201.9M, up 1.5% from Q2 2025, the 29th largest of 40 banks headquartered in West Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.65% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6786
- Headquarters
- Elkins, WV
- Established
- 1909
- Total assets, Q2 2026
- $201.9M
- Assets vs Q2 2025
- +1.5%
- Tier 1 leverage ratio, Q2 2026
- 13.65%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 051501671
- Latest call report
- Q2 2026, FFIEC 051 · Mountain Valley Bank, N.A. call report
- Holding company
- MOUNTAIN-VALLEY BANCSHARES, INC.
- Asset rank in state
- 29th of 40 in West Virginia
Mountain Valley Bank, N.A., based in Elkins, West Virginia, reported $202 million in assets at June 30, 2026, up 1.5% from a year earlier. It pays an average of 1.14% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also keeps 4.51 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Loans are outrunning deposits: over the year loans rose 6.1% and deposits rose 0.3%. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.19% of loans from 0.53%.
As of June 30, 2026, Mountain Valley Bank, N.A. reported a return on assets of 1.43%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.94%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Mountain Valley Bank, N.A. is the 29th largest of the 40 banks headquartered in West Virginia. Between Q1 2026 and Q2 2026, its total assets fell 1.1% to $201.9M, loans rose 1.9% and deposits fell 1.6%. 1-4 family residential loans made up 45.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 17.8%. Its 4 offices in the FDIC Summary of Deposits are in Elkins, WV, Parsons, WV and Mill Creek, WV; its Elkins 2 offices book 50% of its branch deposits. On its Q2 2026 call report, Mountain Valley Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 317 Davis Ave, Elkins, WV 26241
- County
- Randolph
- Metro Area
- Elkins, WV
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1909
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $175.1M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $11K
- Average total assets
- $204.7M
- Average total loans
- $127.8M
- Average interest-bearing deposits
- $121.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6786
- Fed RSSD
- 1011432
- Website
- www.mountainvalleybank.com →
- Parent Holding Company
- MOUNTAIN-VALLEY BANCSHARES, INC. (RSSD 1404641)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Mountain Valley Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Mountain Valley Bank, N.A.'s total assets ran between $187.6M (Q4 2023) and $204.2M (Q1 2026), 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
$201.9M total assets against $199.0M; $175.9M total liabilities against $175.5M.
$127.6M net loans and leases against $120.2M; $175.1M total deposits against $174.6M.
$50.3M securities against $56.4M; $19.1M cash and balances due against $17.8M.
$2.7M total interest income against $2.6M; $503K total interest expense against $454K.
$2.2M net interest income against $2.1M.
$219K total noninterest income against $222K; $1.5M total noninterest expense against $1.3M.
$15K provision for credit losses against $0.
$732K net income against $784K.
1.43% return on assets against 1.54%; 4.51% net interest margin against 4.32%.
13.65% tier 1 leverage ratio against 12.80%.
Inside the full Mountain Valley Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMountain Valley Bank, N.A. rankings
Its closest position to the top of a national ranking is 1,460 of 3,611, for ROA; its furthest is 2,947 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.28% (Q3 2024) to 1.54% (Q2 2025) and its net interest margin ran from 3.95% (Q3 2024) to 4.51% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.65% | 1.43% | 0.19% | 1.94% | 4.51% |
| Q1 2026 | 13.54% | 1.35% | 0.16% | 1.84% | 4.33% |
| Q4 2025 | 13.14% | 1.49% | 0.26% | 2.30% | 4.47% |
| Q3 2025 | 13.24% | 1.50% | 0.66% | 3.07% | 4.42% |
| Q2 2025 | 12.80% | 1.54% | 0.53% | 2.57% | 4.32% |
| Q1 2025 | 13.45% | 1.46% | 0.29% | 1.35% | 4.10% |
| Q4 2024 | 13.19% | 1.33% | 0.26% | 1.29% | 4.05% |
| Q3 2024 | 13.17% | 1.28% | 0.27% | 1.28% | 3.95% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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, N.A. (main office) | Elkins , WV | 26241 | $60.9M |
| Parsons Branch | Parsons , WV | 26287 | $55.1M |
| Mill Creek Branch | Mill Creek , WV | 26280 | $33.2M |
| Elkins Branch | Elkins , WV | 26241 | $25.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1992 | Structure Change | Acquired Bank of Mill Creek Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in WV, rank 43 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $300K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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, N.A.
What are Mountain Valley Bank, N.A.'s total assets?
As of the Q2 2026 filing, Mountain Valley Bank, N.A. reported total assets of $201.9 million in its FFIEC call report.
Where is Mountain Valley Bank, N.A. headquartered?
It is headquartered in Elkins, WV, United States.
When was Mountain Valley Bank, N.A. founded?
It was established in 1909, per the FDIC institution directory.
Is Mountain Valley Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6786). 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, N.A.?
Mountain Valley Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Mountain Valley Bank, N.A. operate?
It operates 4 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, N.A.'s Texas Ratio?
Its Texas Ratio is 1.94% 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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