FDIC Cert #6786 · Elkins, West Virginia · Est. 1909

Mountain Valley Bank, N.A. - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$199M
Total assets
A
Health grade · Excellent
1.52%
Return on assets
13.1%
Tier 1 capital

Data updated July 2026

The verdict

Mountain Valley Bank, N.A. earns a PlainBankData health grade of A (92/100), with well-capitalized at 13.14% Tier 1, profitable at 1.52% ROA, efficient (59% cost ratio).

#3,013
largest of 4,313 FDIC banks by assets
30th
percentile by asset size, nationally
13.14%
Tier 1 ratio - above the 10% well-capitalized line
75th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 6786 · WV A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #680/4307
  • PHOTO-FINISH Jeff Bank · NY
  • TIER1-WELL 13.1% Tier 1
  • TEXAS-CLEAN 1.2% Texas
  • ROA-STRONG 1.52% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside West Virginia: Jeff Bank, NY (±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 Mountain Valley Bank

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

Morgan Stanley Bank,… · UT ·…100/100First Bank · MS · near92/100Jeff Bank · NY · near92/100Mountain Valley Bank… · WV ·…92/100The Farmers Bank of… · MD · …92/100The Honesdale Nation… · PA ·…92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Mountain Valley Bank · July 2026

Plate reading for Mountain Valley Bank where failures stay rare

Mountain Valley Bank, N.A. (FDIC Cert #6786) carries a PlainBankData health grade of A at 92/100, 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 #680 of 4,307. Tier 1 capital prints at 13.14%, clearing the 10% well-capitalized line. The Texas Ratio is 1.20%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.52%. Balance-sheet scale is $199M, 3,013th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Jeff Bank (NY), 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 Mountain Valley Bank

Only 2 FAILURE resolutions in West Virginia since 2000

Mountain Valley Bank, N.A. is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (2 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • THE FIRST STATE BANK BARBOURSVILLE, WV 2020 → MVB BANK, INC
  • AMERIBANK, INC. NORTHFORK, WV 2008 → THE CITIZENS SAVINGS BANK
  • FIRST NB OF KEYSTONE KEYSTONE, WV 1999 → AMERIBANK, INCORPORATED

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

How Mountain Valley Bank, N.A.'s 92/100 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 avg77/10092/100
Mountain Valley Bank, N.A.'s composite health score
Tier 1 Capital Ratio (13.14%) 35/40
Return on Assets (ROA) (1.52%) 25/25
Texas Ratio (1.20%) 20/20
Efficiency Ratio (58.65%) 12/15

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

Balance sheet at a glance

Total Assets

$199M

Total balance-sheet footings

Total Deposits

$173M

Customer-funded liabilities

Net Loans

$122M

Outstanding loan book

Net Income

$3M

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.) 11.74% 13.14% 14.54%
Basel III capital ratios - Mountain Valley Bank, N.A.

Where Mountain Valley Bank, N.A. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Mountain Valley Bank, N.A.'s score of 92/100 falls in the highlighted band.

Mountain Valley Bank, N.A.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 16% higher than 84% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Mountain 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

Mountain Valley Bank, N.A.'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). Mountain Valley Bank, N.A.'s $199M falls in the highlighted band.

Safety metrics: Mountain Valley Bank

Tier 1 capital ratio
Well-capitalized 10%

13.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.14%
Texas Ratio
1.20%
Equity Capital
$25M

What these ratios mean →

Earnings posture at Mountain Valley Bank

Return on Assets (ROA)
75th percentile nationally
1.52%
Return on Equity (ROE)
12.58%
Efficiency Ratio
58.65%

What these mean →

Income & expense at Mountain Valley Bank

$10M
Interest Income
$931K
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Mountain Valley Bank, N.A. reports a Texas Ratio of 1.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Mountain Valley Bank, N.A. on FDIC BankFind →

Top banks in West Virginia by total assets

Largest banks headquartered in West Virginia
  1. 1
    WesBanco Bank, Inc. $27.6B

    Wheeling, WV · Grade A

  2. 2
    City National Bank of West Virginia $6.7B

    Charleston, WV · Grade A

  3. 3
    MVB Bank, Inc $3.3B

    Fairmont, WV · Grade B

  4. 4
    Clear Mountain Bank $985M

    Bruceton Mills, WV · Grade A

  5. 5
    Potomac Bank $943M

    Charles Town, WV · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($199M here), outside West Virginia so the neighborhood is not state containment.

Burling Bank $199M · IL First FSB of Mascoutah $199M · IL First Cahawba Bank $199M · AL Lyons Federal Bank $199M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Mountain Valley Bank, N.A. (FDIC Cert #6786) - 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.

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

Other banks in West Virginia

All West Virginia banks →
BankAssetsGradeROA
WesBanco Bank, Inc.Wheeling $27.6B A 0.91%
City National Bank of West VirginiaCharleston $6.7B A 2.01%
MVB Bank, IncFairmont $3.3B B 1.46%
Clear Mountain BankBruceton Mills $985M A 1.28%
Potomac BankCharles Town $943M A 1.04%
Pendleton Community Bank, Inc.Franklin $814M B 1.01%
CNB Bank, Inc.Berkeley Springs $786M B 0.78%
Citizens Bank of West Virginia, Inc.Elkins $705M A 1.59%