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Mountain Valley Bank, N.A.
Elkins, WV · FDIC Certificate #6786 · Chartered 01/0
Total assets
$201.90M
Total deposits
$175.08M
Total equity
$25.99M
Net loans
$127.61M
Branches (offices)
4
Net income (YTD)
$1.42M
Rank: #2,959 of 4,213 U.S. banks by assets · #29 of 41 in West Virginia. Assets changed 1.5% and deposits 0.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 11.17% |
| Net interest margin (YTD) | 4.43% |
| Equity to assets | 12.87% |
| Tier 1 leverage ratio | 13.65% |
| Uninsured deposits (share of deposits) | 11.6% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 72.9% |
| Real estate loans (share of loans) | 86.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $109.77M | 86.0% | |
| Commercial & industrial | $11.41M | 8.9% | |
| Consumer / individual | $3.29M | 2.6% | |
| Construction & development | $3.83M | 3.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $186.25M | $165.72M | $679.00K | $17.50M |
| Jun 2023 | $191.13M | $169.49M | $959.00K | $18.76M |
| Jun 2024 | $191.10M | $167.81M | $1.18M | $21.48M |
| Jun 2025 | $198.97M | $174.60M | $1.51M | $23.50M |
| Jun 2026 | $201.90M | $175.08M | $1.42M | $25.99M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $175.08M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $175.08M.
Similar-sized banks
Bank 21 ($202.08M) · First Community Bank And Trust ($201.67M)
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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