Mountain Valley Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Yield on securities rose 0.45 percentage points in Q2 2026 to 3.11%, the biggest move on this page. Within West Virginia, Mountain Valley Bank, N.A. is 7th of 41 on net interest margin, 4.51% as of Q2 2026, above the middle of the field. Mountain Valley Bank, N.A. reported 4.51% on net interest margin for Q2 2026, 0.56 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.52% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.14% |
| Cost of interest-bearing deposits | 1.64% |
| Cost of interest-bearing liabilities | 1.64% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.51% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $503K |
| Interest expense on deposits | $503K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 4.39% | 0.74% | 3.73% |
| Q4 2023 | 4.65% | 0.79% | 3.95% |
| Q1 2024 | 4.69% | 0.95% | 3.83% |
| Q2 2024 | 4.89% | 1.14% | 3.87% |
| Q3 2024 | 5.05% | 1.23% | 3.95% |
| Q4 2024 | 5.17% | 1.27% | 4.05% |
| Q1 2025 | 5.09% | 1.11% | 4.10% |
| Q2 2025 | 5.23% | 1.03% | 4.32% |
| Q3 2025 | 5.35% | 1.06% | 4.42% |
| Q4 2025 | 5.42% | 1.09% | 4.47% |
| Q1 2026 | 5.29% | 1.08% | 4.33% |
| Q2 2026 | 5.52% | 1.14% | 4.51% |
Mountain Valley Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mountain Valley Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)