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Mountain Valley Bank
Walden, CO · FDIC Certificate #17411 · Chartered 02/2
Total assets
$556.54M
Total deposits
$445.39M
Total equity
$58.96M
Net loans
$405.61M
Branches (offices)
7
Net income (YTD)
$2.54M
Rank: #1,652 of 4,213 U.S. banks by assets · #19 of 63 in Colorado. Assets changed 0.2% and deposits -0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.91% |
| Return on equity | 8.72% |
| Net interest margin (YTD) | 3.80% |
| Equity to assets | 10.59% |
| Tier 1 leverage ratio | 10.50% |
| Uninsured deposits (share of deposits) | 28.1% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 91.1% |
| Real estate loans (share of loans) | 77.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $313.01M | 77.2% | |
| Commercial & industrial | $53.87M | 13.3% | |
| Consumer / individual | $7.61M | 1.9% | |
| Construction & development | $30.40M | 7.5% | |
| Agricultural | $30.25M | 7.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $478.60M | $430.77M | $1.17M | $45.55M |
| Jun 2023 | $502.51M | $393.97M | $749.00K | $45.04M |
| Jun 2024 | $528.95M | $406.03M | $840.00K | $49.00M |
| Jun 2025 | $555.71M | $448.49M | $2.15M | $55.35M |
| Jun 2026 | $556.54M | $445.39M | $2.54M | $58.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $445.39M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $445.39M.
Similar-sized banks
Sunmark Community Bank ($556.59M) · Community Resource Bank ($556.39M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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