Mountain Valley Bank, N.A.
Mountain Valley Bank, N.A. is the primary bank subsidiary of its parent holding company, headquartered in Elkins, WV. Total assets stand at $204M. Profitability is strong — 1.35% ROA, paired with 10.92% ROE and a 4.33% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.54% exceeds the 9% CBLR threshold. Credit conditions bear watching: 1.77% NPL ratio with a 9.85% Texas Ratio (elevated but below the 100% concern level). 4 branches make up the footprint.
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
- Fed District
- 5
- Established
- January 1, 1909
- Branches
- 4 domestic
- Employees (FTE)
- 41
- FDIC Cert
- 6786
- Fed RSSD
- 1011432
- Website
- www.mountainvalleybank.com →
- Parent Holding Company
- MOUNTAIN-VALLEY BANCSHARES, INC. (RSSD 1404641)
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Mountain Valley Bank, N.A. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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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 Q1 2026 filing, Mountain Valley Bank, N.A. reported total assets of $204.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Mountain Valley Bank, N.A. headquartered?
Mountain Valley Bank, N.A. is headquartered in ELKINS, WV, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Mountain Valley Bank, N.A. founded?
Mountain Valley Bank, N.A. was established in 1909, per the FDIC institution directory.
Is Mountain Valley Bank, N.A. FDIC-insured?
Yes. Mountain Valley Bank, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Mountain Valley Bank, N.A. operate?
Mountain Valley Bank, N.A. operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Mountain Valley Bank, N.A.'s Texas Ratio?
Mountain Valley Bank, N.A.'s Texas Ratio is 9.85% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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