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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Dunlap, TN · FDIC certificate #1705
MOUNTAIN VALLEY BANK is an FDIC-insured institution based in Dunlap, TN (FDIC certificate #1705). In its Q3 2026 Call Report it reported total assets of $263M, total deposits of $207M and net loans of $199M. Its primary federal regulator is FDIC.
Plain-language readout
MOUNTAIN VALLEY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $263M in Q3 2026 and were lowest at $255M in Q2 2026.
Total deposits were highest at $207M in Q3 2026 and lowest at $199M in Q2 2026.
Over the whole period total assets rose 2.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $263M | $207M | $199M | 0.49% | 5.07% | 3.97% |
| Q2 2026 | $255M | $199M | $200M | 0.51% | 5.23% | 3.99% |
| Q1 2026 | $256M | $201M | $204M | 0.55% | 5.78% | 3.96% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $16.7M | $15.9M | +$771K | +4.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $24.5M | $24.7M | -$252K | -1.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $200.2M | $204.5M | -$4.3M | -2.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.9M | $6.0M | -$25K | -0.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $7.3M | $5.4M | +$2.0M | +36.5% |
| Total assets | $254.6M | $256.4M | -$1.8M | -0.7% |
| Liabilities | ||||
| Total deposits | $198.9M | $201.1M | -$2.2M | -1.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $30.0M | $30.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $667K | $633K | +$34K | +5.4% |
| Total liabilities | $229.6M | $231.7M | -$2.1M | -0.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $400K | $400K | $0K | 0.0% |
| Surplus | $13.3M | $13.3M | $0K | 0.0% |
| Retained earnings | $11.8M | $11.5M | +$291K | +2.5% |
| Accumulated other comprehensive income | -$362K | -$361K | -$1K | -0.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $25.1M | $24.8M | +$290K | +1.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.1M | $1.3M | -$224K | -17.2% |
| Adjusted nonperforming assets | $1.1M | $1.3M | -$224K | -17.2% |
| Tangible equity plus allowance | $26.5M | $26.1M | +$314K | +1.2% |
| Texas ratio (gross) | 4.09% | 4.99% | -0.91 pts | See points |
| Texas ratio (adjusted) | 4.09% | 4.99% | -0.91 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.98% | 5.90% | -0.92 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.17% | 14.79% | +0.38 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.17% | 14.79% | +0.38 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.88% | 0.86% | +0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 16.05% | 15.64% | +0.41 pts | See points |
| Tier 1 leverage (approximate) | 10.02% | 9.71% | +0.32 pts | See points |
| Construction and land loans to total capital | 94.51% | 85.37% | +9.15 pts | See points |
| Commercial real estate to total capital | 215.11% | 193.83% | +21.28 pts | See points |
| Dividend payout, year to date | 26.81% | 48.74% | -21.93 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.95% | -1.97% | +0.02 pts | See points |
| Liquidity | ||||
| Core deposits | $176.5M | $176.6M | -$80K | -0.0% |
| Non-core funding | $52.4M | $54.5M | -$2.1M | -3.8% |
| Loans to core deposits | 114.21% | 116.57% | -2.36 pts | See points |
| Loans to deposits | 101.36% | 102.39% | -1.03 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 64.92% | 65.47% | -0.55 pts | See points |
| Loans pledged, share of loans | 43.88% | 42.43% | +1.45 pts | See points |
| Volatile liabilities | $52.4M | $54.5M | -$2.1M | -3.8% |
| Earnings | ||||
| Earnings before provision, year to date | $868K | $476K | +$392K | +82.4% |
| Earnings before provision, single quarter | $392K | $476K | -$84K | -17.6% |
| Provision for credit losses, year to date | $60K | $30K | +$30K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.77% | 6.69% | +0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 3.71% | 3.34% | +0.38 pts | See points |
| Total interest income to average assets | 5.87% | 5.83% | +0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 0.74% | 0.73% | +0.01 pts | See points |
| Cost of savings and money market deposits | 2.41% | 2.31% | +0.10 pts | See points |
| Cost of time deposits | 3.60% | 3.66% | -0.06 pts | See points |
| Total interest expense to average assets | 2.05% | 2.08% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $263M | $207M | $199M | 0.49% | 5.07% | 3.97% |
| 2026-06-30 | $255M | $199M | $200M | 0.51% | 5.23% | 3.99% |
| 2026-03-31 | $256M | $201M | $204M | 0.55% | 5.78% | 3.96% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $209M | 0.09% | 112 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.