Mountain Valley Bank, N.A.

BankElkins, West Virginia
www.mountainvalleybank.com

Total Assets

$199.0M

Total Deposits

$173.3M

Branches

4

Established

1909

TFS Health Grade

$
C-

70.3 / 100

Average financial health

How we grade

Mountain Valley Bank, N.A. is a bank headquartered in Elkins, West Virginia, established in 1909. With $199.0M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C- (70.3/100).

Capital & Safety

Tier 1 Capital Ratio
13.14%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.26%

Profitability

Return on Assets (ROA)
1.52%(1%)
Return on Equity (ROE)
12.58%(10%)
Net Interest Margin
4.40%
Efficiency Ratio
58.65%(60%)

Lending & Liquidity

Total Loans
$123.4M
Loan-to-Deposit Ratio
70.34%
Net Charge-Off Ratio
0.04%

Growth

Asset Growth (YoY)
+1.63%
Deposit Growth (YoY)
+0.70%
Net Income
$3.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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