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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Elkins, WV · FDIC certificate #6786
MOUNTAIN VALLEY BANK N A is an FDIC-insured institution based in Elkins, WV (FDIC certificate #6786). In its Q3 2026 Call Report it reported total assets of $201M, total deposits of $174M and net loans of $133M. Its primary federal regulator is OCC.
Plain-language readout
MOUNTAIN VALLEY BANK N A has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $204M in Q1 2026 and were lowest at $201M in Q3 2026.
Total deposits were highest at $178M in Q1 2026 and lowest at $174M in Q3 2026.
Over the whole period total assets fell 1.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $201M | $174M | $133M | 1.49% | 11.81% | 4.51% |
| Q2 2026 | $202M | $175M | $128M | 1.40% | 11.17% | 4.43% |
| Q1 2026 | $204M | $178M | $125M | 1.36% | 10.92% | 4.31% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $19.1M | $21.7M | -$2.6M | -12.2% |
| 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) | $50.3M | $52.3M | -$2.0M | -3.7% |
| 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) | $127.6M | $125.2M | +$2.4M | +1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.6M | $1.6M | +$21K | +1.3% |
| Other real estate owned | $289K | $289K | $0K | 0.0% |
| 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 | $2.9M | $3.1M | -$150K | -4.8% |
| Total assets | $201.9M | $204.2M | -$2.3M | -1.1% |
| Liabilities | ||||
| Total deposits | $175.1M | $177.9M | -$2.8M | -1.6% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $829K | $1.1M | -$260K | -23.9% |
| Total liabilities | $175.9M | $179.0M | -$3.0M | -1.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $600K | $600K | $0K | 0.0% |
| Surplus | $609K | $609K | $0K | 0.0% |
| Retained earnings | $26.7M | $26.1M | +$619K | +2.4% |
| Accumulated other comprehensive income | -$1.9M | -$2.1M | +$134K | +6.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $26.0M | $25.2M | +$753K | +3.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $534K | $493K | +$41K | +8.3% |
| Adjusted nonperforming assets | $534K | $493K | +$41K | +8.3% |
| Tangible equity plus allowance | $27.5M | $26.7M | +$761K | +2.8% |
| Texas ratio (gross) | 1.94% | 1.84% | +0.10 pts | See points |
| Texas ratio (adjusted) | 1.94% | 1.84% | +0.10 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 9.70% | 9.85% | -0.15 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 13.65% | 13.54% | +0.10 pts | See points |
| Construction and land loans to total capital | 13.01% | 13.98% | -0.97 pts | See points |
| Commercial real estate to total capital | 96.34% | 99.09% | -2.75 pts | See points |
| Dividend payout, year to date | 8.06% | 0.00% | +8.06 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.82% | -8.66% | +0.85 pts | See points |
| Liquidity | ||||
| Core deposits | $168.8M | $172.4M | -$3.6M | -2.1% |
| Non-core funding | $6.3M | $5.5M | +$805K | +14.7% |
| Loans to core deposits | 76.51% | 73.50% | +3.01 pts | See points |
| Loans to deposits | 73.76% | 71.23% | +2.53 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 45.60% | 41.83% | +3.78 pts | See points |
| Loans pledged, share of loans | 77.96% | 0.08% | +77.88 pts | See points |
| Volatile liabilities | $6.3M | $5.5M | +$805K | +14.7% |
| Earnings | ||||
| Earnings before provision, year to date | $1.8M | $873K | +$945K | +108.2% |
| Earnings before provision, single quarter | $945K | $873K | +$72K | +8.2% |
| Provision for credit losses, year to date | $20K | $5K | +$15K | +300.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.66% | 6.59% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 3.82% | 3.16% | +0.66 pts | See points |
| Total interest income to average assets | 5.30% | 5.09% | +0.21 pts | See points |
| Cost of interest-bearing transaction accounts | 0.85% | 0.61% | +0.24 pts | See points |
| Cost of savings and money market deposits | 0.32% | 0.33% | -0.00 pts | See points |
| Cost of time deposits | 3.45% | 3.48% | -0.03 pts | See points |
| Total interest expense to average assets | 0.98% | 0.94% | +0.04 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 | $201M | $174M | $133M | 1.49% | 11.81% | 4.51% |
| 2026-06-30 | $202M | $175M | $128M | 1.40% | 11.17% | 4.43% |
| 2026-03-31 | $204M | $178M | $125M | 1.36% | 10.92% | 4.31% |
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 |
|---|---|---|---|---|
| WV | $174.6M | 0.37% | 45 | 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.