Mountain Valley Bank
Total assets
$556.5M
▲ +0.2% YoY
Deposits
$445.4M
▼ -0.7% YoY
Loans
$405.6M
▲ +1.6% YoY
Offices
7
PLATTE VALLEY FINL SERVICE COMPANIES
ROA (annualized)
0.91%
peers 1.28%
ROE (annualized)
8.72%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Mountain Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +4.9% | -4.8 pts |
| Deposit growth (YoY) | -0.7% | +4.3% | -5.0 pts |
| Loan growth (YoY) | +1.6% | +5.3% | -3.7 pts |
| ROA | 0.91% | 1.28% | -0.4 pts |
| ROE | 8.7% | 12.4% | -3.7 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
Profile
- Established
- 1955
- Charter
- State
- Primary regulator
- FED
- Holding company
- PLATTE VALLEY FINL SERVICE COMPANIES
- Specialization
- Commercial Lending Specialization
- Address
- 461 Main St, Walden, CO, 80480
- County
- Jackson
- Offices
- 7
- FDIC cert #
- 17411
- RSSD ID
- 475653
- 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 | $556.5M | $445.4M | $405.6M | $59.0M | $2.5M | 0.91% | 3.80% | 0.14% |
| Q1 2026 | $557.2M | $447.4M | $409.7M | $58.2M | $1.4M | 0.97% | 3.74% | 0.16% |
| Q4 2025 | $562.2M | $453.2M | $401.3M | $57.4M | $4.9M | 0.88% | 3.61% | 0.14% |
| Q3 2025 | $558.9M | $450.2M | $406.7M | $56.8M | $3.4M | 0.81% | 3.50% | 0.16% |
| Q2 2025 | $555.7M | $448.5M | $399.1M | $55.3M | $2.2M | 0.77% | 3.44% | 0.17% |
| Q1 2025 | $554.9M | $436.6M | $389.3M | $54.0M | $1.1M | 0.76% | 3.36% | 0.20% |
| Q4 2024 | $571.9M | $435.3M | $395.4M | $52.4M | $3.3M | 0.61% | 3.05% | 0.24% |
| Q3 2024 | $548.1M | $422.2M | $377.2M | $51.5M | $2.1M | 0.51% | 2.96% | 0.14% |
Loan mix (Q2 2026): real estate $313.0M · commercial $53.9M · consumer $7.6M · securities $90.2M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Mountain Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.28% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 12.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.89% | 44th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 61.2% | 68th | |
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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