BlastPoint's Banking Scorecard
Middletown Valley Bank
Designations: ✓ Community bank
Middletown, MD
8 branches across MD · PA
Middletown Valley Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 42.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Net Interest Margin 0.08% below tier average
- - Efficiency Ratio 0.54% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+9.0% YoY
+2.2% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$1.8B
+4.9% YoY
|
$6.2B
+9.1% YoY
|
Bottom 13.0% in tier |
| Total Loans ? |
$941.5M
+10.1% YoY
+1.8% QoQ
|
-$1.0B |
$2.0B
+0.6% YoY
|
$1.3B
+7.3% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$997.4M
+6.9% YoY
+1.2% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$1.6B
+7.4% YoY
|
$4.8B
+8.2% YoY
|
15% |
| Return on Assets ? |
1.13%
+35.5% YoY
+25.5% QoQ
|
-0.24% |
1.37%
+19.6% YoY
|
0.90%
+4.7% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
3.73%
+8.4% YoY
+5.0% QoQ
|
-0.08% |
3.82%
+6.9% YoY
|
3.69%
+5.2% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
61.60%
-8.9% YoY
-5.3% QoQ
|
+0.54% |
61.06%
-4.6% YoY
|
68.69%
-3.5% YoY
|
66.95%
-4.1% YoY
|
44% |
| Delinquency Rate ? |
0.13%
-24.8% YoY
-40.2% QoQ
|
-0.76% |
0.89%
+14.1% YoY
|
1.00%
+1.9% YoY
|
0.95%
+18.8% YoY
|
Top 14.4% in tier |
| Loan-to-Deposit Ratio ? |
94.39%
+3.0% YoY
+0.5% QoQ
|
+10.19% |
84.20%
+0.3% YoY
|
87.36%
+2.8% YoY
|
76.70%
+0.9% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
28.06%
+2.4% YoY
+3.6% QoQ
|
+6.77% |
21.29%
-2.5% YoY
|
20.21%
-0.6% YoY
|
22.01%
-1.2% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.11%
-24.0% YoY
-40.4% QoQ
|
-0.57% |
0.67%
+15.6% YoY
|
0.86%
+7.2% YoY
|
0.67%
+19.3% YoY
|
85% |
| Tier 1 Capital Ratio ? |
12.01%
-0.8% YoY
+0.5% QoQ
|
-3.15% |
15.16%
+2.0% YoY
|
16.27%
-0.9% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.07%
-0.9% YoY
-79.4% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.12%
-21.7% YoY
|
0.32%
+4.1% YoY
|
20% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.