FDIC Cert #14017 · Middletown, Maryland · Est. 1908

Middletown Valley Bank - FDIC Bank Health Profile

A community-scale look at Middletown Valley Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.1B
Total assets
B
Health grade · Good
0.90%
Return on assets
12.0%
Tier 1 capital

Data updated July 2026

The verdict

Middletown Valley Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 11.96% Tier 1, 0.90% ROA, 65% efficiency ratio.

#940
largest of 4,313 FDIC banks by assets
78th
percentile by asset size, nationally
11.96%
Tier 1 ratio - above the 10% well-capitalized line
36th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 14017 · MD B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #2982/4307
  • PHOTO-FINISH Community Bank of Lo… · LA
  • TIER1-WELL 12.0% Tier 1
  • TEXAS-CLEAN 1.8% Texas
  • ROA-PAR 0.90% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maryland: Community Bank of Louisiana, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Middletown Valley Bank

Lowest and highest poles plus nearest scored peers outside Maryland, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Bank of Lo… · LA ·…70/100Farmers & Merchants… · IA · …70/100Middletown Valley Bank · MD …70/100The Home National Ba… · IN ·…70/100Wells River Savings… · VT · …70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Middletown Valley Bank · July 2026

Call Report read for Middletown Valley Bank in a high-failure state

Middletown Valley Bank (FDIC Cert #14017) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,982 of 4,307. Tier 1 capital prints at 11.96%, clearing the 10% well-capitalized line. The Texas Ratio is 1.82%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.90%. Balance-sheet scale is $1.1B, 940th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community Bank of Louisiana (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Middletown Valley Bank

10 FAILURE resolutions in Maryland since 2000, heavy vs the state corpus

Middletown Valley Bank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Middletown Valley Bank's current Call Report.

  • SLAVIE FEDERAL SAVINGS BANK BEL AIR, MD 2014 → BAY BANK, FSB
  • NBRS FINANCIAL BANK RISING SUN, MD 2014 → HOWARD BANK
  • BANK OF THE EASTERN SHORE CAMBRIDGE, MD 2012

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maryland banks.

How Middletown Valley Bank's 70/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10070/100
Middletown Valley Bank's composite health score
Tier 1 Capital Ratio (11.96%) 28/40
Return on Assets (ROA) (0.90%) 14/25
Texas Ratio (1.82%) 20/20
Efficiency Ratio (65.07%) 8/15

70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$985M

Customer-funded liabilities

Net Loans

$925M

Outstanding loan book

Net Income

$10M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.56% 11.96% 13.36%
Basel III capital ratios - Middletown Valley Bank

Where Middletown Valley Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Middletown Valley Bank's score of 70/100 falls in the highlighted band.

Middletown Valley Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 31st percentile higher than 31% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Middletown Valley Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Middletown Valley Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Middletown Valley Bank's $1.1B falls in the highlighted band.

Capital & credit buffers at Middletown Valley Bank

Tier 1 capital ratio
Well-capitalized 10%

11.96% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.96%
Texas Ratio
1.82%
Equity Capital
$101M

What these ratios mean →

Profitability metrics: Middletown Valley Bank

Return on Assets (ROA)
36th percentile nationally
0.90%
Return on Equity (ROE)
10.08%
Efficiency Ratio
65.07%

What these mean →

Income & expense at Middletown Valley Bank

$56M
Interest Income
$4M
Non-Interest Income
$27M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Middletown Valley Bank reports a Texas Ratio of 1.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Middletown Valley Bank on FDIC BankFind →

Top banks in Maryland by total assets

Largest banks headquartered in Maryland
  1. 1
    EagleBank $10.4B

    Bethesda, MD · Grade C

  2. 2
    Forbright Bank $7.9B

    Potomac, MD · Grade B

  3. 3
    Shore United Bank $6.3B

    Easton, MD · Grade B

  4. 4
    CFG Bank $5.7B

    Lutherville, MD · Grade B

  5. 5
    Capital Bank $3.5B

    Rockville, MD · Grade B

Top 5 banks in Maryland ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.1B here), outside Maryland so the neighborhood is not state containment.

Pioneer Bank $1.1B · NM Dallas Capital Bank $1.1B · TX The Honesdale National Bank $1.1B · PA First State Bank Nebraska $1.1B · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Middletown Valley Bank (FDIC Cert #14017) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Middletown Valley Bank Call Report profile · FDIC Failed Bank List · Maryland FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maryland

All Maryland banks →
BankAssetsGradeROA
EagleBankBethesda $10.4B C -1.20%
Forbright BankPotomac $7.9B B 1.35%
Shore United Bank, National AssociationEaston $6.3B B 1.08%
CFG BankLutherville $5.7B B 1.43%
Capital Bank, National AssociationRockville $3.5B B 1.51%
First United Bank & TrustOakland $2.1B A 1.27%
Rosedale BankNottingham $1.3B B 0.18%
Presidential Bank, FSBBethesda $1.1B C 0.44%