Mountain Valley Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mountain Valley Bank, N.A. of Elkins, WV 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 | 1.43% | 1.34% | +0.09% | 59th above |
| ROAE | 11.43% | 13.31% | -1.88% | 44th below |
| Net Interest Margin | 4.51% | 3.93% | +0.58% | 79th top |
| Efficiency Ratio | 60.22% | 61.14% | -0.92% | 54th above |
| PPNR / Avg Assets | 1.85% | 1.68% | +0.17% | 65th above |
| Yield on Earning Assets | 5.52% | 5.67% | -0.15% | 46th below |
| Cost of Funds | 1.14% | 1.88% | -0.74% | 87th top |
| Net Interest Spread | 3.88% | 3.32% | +0.56% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.73% | 0.94% | +0.79% | 15th bottom |
| NPA / Total Assets | 1.25% | 0.70% | +0.55% | 15th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans | 1.18% | 1.28% | -0.10% | 48th below |
| ACL / NPLs (Coverage) | 68.07% | 1538.99% | -1470.92% | 17th bottom |
| Texas Ratio | 9.70% | 7.33% | +2.37% | 23rd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 181.82% | 1395.85% | -1214.03% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.65% | 12.14% | +1.51% | 80th top |
| Equity / Assets | 12.87% | 11.37% | +1.50% | 78th top |
| TCE / Tangible Assets | 12.87% | 11.09% | +1.78% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.76% | 80.64% | -6.88% | 64th above |
| Core Deposit Ratio | 96.40% | 86.86% | +9.54% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.47% | 6.85% | -5.38% | 29th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.06% | 7.90% | -1.84% | 55th above |
| Deposit Growth (Y/Y) | 0.27% | 6.29% | -6.02% | 24th bottom |
See Mountain Valley Bank, N.A.'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, N.A., 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, N.A. profile, how to read a UBPR, or how this data updates.