Mountain Valley Bank
Total assets
$254.6M
▼ -3.3% YoY
Deposits
$198.9M
▼ -4.9% YoY
Loans
$200.2M
▼ -2.6% YoY
Offices
7
SEQUATCHIE COUNTY BCORP INC
ROA (annualized)
0.51%
peers 1.24%
ROE (annualized)
5.23%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Mountain Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +4.4% | -7.7 pts |
| Deposit growth (YoY) | -4.8% | +4.0% | -8.8 pts |
| Loan growth (YoY) | -2.6% | +5.6% | -8.2 pts |
| ROA | 0.51% | 1.24% | -0.7 pts |
| ROE | 5.2% | 11.9% | -6.6 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
Profile
- Established
- 1905
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- SEQUATCHIE COUNTY BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 17114 Rankin Ave, Dunlap, TN, 37327
- County
- Sequatchie
- Metro area
- Chattanooga, TN-GA
- Offices
- 7
- FDIC cert #
- 1705
- RSSD ID
- 714437
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $254.6M | $198.9M | $200.2M | $25.1M | $649K | 0.51% | 3.99% | 0.42% |
| Q1 2026 | $256.4M | $201.1M | $204.5M | $24.8M | $357K | 0.55% | 3.96% | 0.51% |
| Q4 2025 | $259.6M | $204.2M | $204.8M | $24.6M | $1.4M | 0.54% | 3.75% | 1.01% |
| Q3 2025 | $260.3M | $205.1M | $213.0M | $24.0M | $854K | 0.44% | 3.66% | 0.45% |
| Q2 2025 | $263.4M | $209.0M | $205.6M | $23.4M | $401K | 0.31% | 3.55% | 0.30% |
| Q1 2025 | $259.2M | $205.1M | $208.6M | $23.1M | $196K | 0.30% | 3.53% | 0.41% |
| Q4 2024 | $255.7M | $202.1M | $203.0M | $22.2M | $751K | 0.31% | 3.59% | 0.31% |
| Q3 2024 | $258.0M | $204.9M | $203.0M | $22.0M | $411K | 0.23% | 3.58% | 0.28% |
Loan mix (Q2 2026): real estate $178.8M · commercial $18.0M · consumer $4.2M · securities $24.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Mountain Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.96% | 52th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% | 62.9% | 89th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Mountain Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Mountain Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Mountain Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Mountain Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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