Total Assets
$199M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Mountain Valley Bank, N.A. — FDIC Bank Health Profile
Elkins, West Virginia · Est. 1909. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) National Bank FDIC Cert #6786 Atlanta Region
D
Health grade
Weak
Score: 37/100
Basel III capital ratios — Mountain Valley Bank, N.A.
Total Deposits
$173M
Customer-funded liabilities
Net Loans
$122M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$25M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.52%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
12.58%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
58.65%
Income & Expense Breakdown
$10M
Interest Income
$931K
Non-Interest Income
$5M
Non-Interest Expense
FDIC Deposit Insurance
Mountain Valley Bank, N.A. is FDIC-insured (Certificate #6786). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Mountain Valley Bank, N.A.
Mountain Valley Bank, N.A. is an FDIC-insured institution (Certificate #6786) headquartered in Elkins, West Virginia, established in 1909. The bank currently holds $199M in total assets and $173M in customer deposits, with $122M deployed as loans. It operates as a Nationally chartered (OCC) (National Bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Mountain Valley Bank, N.A. reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $25M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.52% and a Return on Equity of 12.58%, with an Efficiency Ratio of 58.65% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of D (37/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Mountain Valley Bank, N.A. is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in West Virginia by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Mountain Valley Bank, N.A. (FDIC Cert #6786) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in West Virginia
All West Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WesBanco Bank, Inc. Wheeling | $27.6B | C | 0.97% |
| City National Bank of West Virginia Charleston | $6.7B | B | 2.01% |
| MVB Bank, Inc Fairmont | $3.3B | F | 1.46% |
| Clear Mountain Bank Bruceton Mills | $985M | F | 1.28% |
| Potomac Bank Charles Town | $943M | C | 1.04% |
| Pendleton Community Bank, Inc. Franklin | $814M | C | 1.01% |
| CNB Bank, Inc. Berkeley Springs | $786M | C | 0.78% |
| Citizens Bank of West Virginia, Inc. Elkins | $705M | B | 1.59% |
Frequently Asked Questions
What is Mountain Valley Bank, N.A.'s health grade? ▼
Mountain Valley Bank, N.A. receives a health grade of D (37/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Mountain Valley Bank, N.A.? ▼
Mountain Valley Bank, N.A. holds $199M in total assets and $173M in deposits. It is headquartered in Elkins, West Virginia.
Is my money safe at Mountain Valley Bank, N.A.? ▼
Yes. Mountain Valley Bank, N.A. is FDIC-insured (Certificate #6786). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Mountain Valley Bank, N.A.'s Tier 1 Capital Ratio? ▼
Mountain Valley Bank, N.A. has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Mountain Valley Bank, N.A.? ▼
Mountain Valley Bank, N.A. has an Efficiency Ratio of 58.65%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.