Mountain Valley Bank, N.A.: 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): 2.75 percentage points lower than in Q1 2026, at 96.34%. Mountain Valley Bank, N.A. ranks 29th of 41 West Virginia banks on loan-to-deposit ratio, in the lower half at 73.76% (Q2 2026). Mountain Valley Bank, N.A. reported 73.76% on loan-to-deposit ratio for Q2 2026, 7.08 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $129.1M |
| Net loans and leases | $127.6M |
| Loans held for sale | $0 |
| Loans to total assets | 63.96% |
| Loan-to-deposit ratio | 73.76% |
| Net loans to equity capital | 4.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.84% |
| Multifamily (5+ residential) | 9.95% |
| Commercial and industrial | 8.84% |
| Consumer | 2.55% |
| Credit cards | 0.00% |
| Farm | 0.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 96.34% |
| Construction concentration (Tier 1 capital + allowance) | 13.01% |
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 | 6.70% |
| Interest income on loans | $2.1M |
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 | $115.7M | $171.4M | 28.86% | 12.72% | 3.84% |
| Q4 2023 | $115.0M | $165.0M | 26.96% | 12.01% | 3.81% |
| Q1 2024 | $115.5M | $170.2M | 26.06% | 12.13% | 3.60% |
| Q2 2024 | $117.1M | $167.8M | 27.04% | 10.50% | 3.58% |
| Q3 2024 | $118.7M | $172.3M | 25.39% | 10.38% | 3.63% |
| Q4 2024 | $119.9M | $172.1M | 24.28% | 10.85% | 3.57% |
| Q1 2025 | $119.9M | $174.8M | 24.52% | 10.62% | 3.43% |
| Q2 2025 | $121.8M | $174.6M | 25.71% | 9.94% | 3.25% |
| Q3 2025 | $122.7M | $173.7M | 25.73% | 9.98% | 3.17% |
| Q4 2025 | $123.4M | $173.3M | 25.21% | 9.57% | 2.96% |
| Q1 2026 | $126.7M | $177.9M | 27.46% | 8.79% | 2.75% |
| Q2 2026 | $129.1M | $175.1M | 26.84% | 8.84% | 2.55% |
Mountain Valley Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mountain Valley Bank, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6786) · FFIEC NIC profile (RSSD 1011432)