BlastPoint's Banking Scorecard

Middletown Valley Bank

$1B-$10B Specialty: Commercial MD FDIC cert 14017

Designations: ✓ Community bank

Middletown, MD

8 branches across MD · PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 10 in MD.
Deposits +10.3% year over year ($1.1B on the books).
Delinquency rate 0.13%.
Return on assets 0.45%.
Efficiency ratio 61.01% vs a 59.73% peer average.
Loan-to-deposit ratio 89.58% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 10 in MD

View $1B-$10B leaderboard (MD) →

Middletown Valley Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 40.7% in tier

Key Concerns

Areas that may need attention

- Return on Assets 0.95% below tier average
- Net Interest Margin 0.09% below tier average
- Efficiency Ratio 1.28% above tier average

Get updates when Middletown Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$1.2B +8.9% YoY +3.5% QoQ	-$1.6B	$2.8B -0.6% YoY	$1.8B +4.0% YoY	$6.3B +7.7% YoY	17%
Total Loans ?	$966.5M +11.7% YoY +2.7% QoQ	-$996.7M	$2.0B -0.3% YoY	$1.3B +3.8% YoY	$3.2B +9.4% YoY	30%
Total Deposits ?	$1.1B +10.3% YoY +8.2% QoQ	-$1.2B	$2.3B -0.5% YoY	$1.6B +4.1% YoY	$4.9B +7.3% YoY	22%
Return on Assets ?	0.45% -51.8% YoY -60.5% QoQ	-0.95%	1.39% +17.0% YoY	0.92% +12.6% YoY	1.30% +12.1% YoY	Bottom 6.3% in tier
Net Interest Margin ?	3.78% +8.7% YoY +1.1% QoQ	-0.09%	3.87% +6.2% YoY	3.72% +5.0% YoY	3.95% +4.9% YoY	54%
Efficiency Ratio ?	61.01% -6.0% YoY -1.0% QoQ	+1.28%	59.73% -12.6% YoY	67.38% -3.5% YoY	70.05% +2.5% YoY	44%
Delinquency Rate ?	0.13% -24.3% YoY -3.6% QoQ	-0.74%	0.87% +11.7% YoY	1.07% +9.6% YoY	0.98% +16.3% YoY	Top 15.0% in tier
Loan-to-Deposit Ratio ?	89.58% +1.3% YoY -5.1% QoQ	+4.54%	85.04% -0.1% YoY	87.38% +1.5% YoY	79.03% +2.3% YoY	42%
Non-Interest-Bearing Deposit Share ?	25.86% -4.4% YoY -7.8% QoQ	+4.59%	21.27% -1.5% YoY	20.47% +3.3% YoY	21.98% -0.6% YoY	74%
Nonperforming Asset Ratio ?	0.10% -22.3% YoY -4.4% QoQ	-0.57%	0.67% +11.7% YoY	0.90% +8.0% YoY	0.69% +15.8% YoY	Top 14.9% in tier
Tier 1 Capital Ratio ?	11.72% -4.6% YoY -2.5% QoQ	-3.12%	14.84% -0.4% YoY	16.33% +1.1% YoY	17.09% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.17% +0.7% YoY +134.8% QoQ	-0.35%	0.53% +2.5% YoY	0.25% +1.8% YoY	0.66% +5.2% YoY	25%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Noninterest-Bearing	25.9% -1.2pp YoY -2.2pp QoQ	+4.5pp	21.4%	21.3%	22.2%	74%
Brokered Deposits	2.0% +0.5pp YoY +0.5pp QoQ	-7.5pp	9.5%	10.7%	8.5%	27%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
C&I	14.9% -0.4pp YoY -0.5pp QoQ	+0.9pp	14.0%	8.9%	12.5%	67%
CRE	45.7% -0.3pp YoY -1.2pp QoQ	-4.3pp	50.0%	50.0%	41.4%	38%
1-4 Family	35.4% -0.3pp YoY +0.1pp QoQ	+9.0pp	26.4%	37.9%	31.3%	76%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.6pp	4.7%	3.2%	5.0%	12%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
CET1 Ratio	11.7% -0.6pp YoY -0.3pp QoQ	-3.9pp	15.6%	16.4%	19.7%	19%
Leverage Ratio	9.2% -0.1pp YoY -0.3pp QoQ	-2.1pp	11.3%	13.0%	12.6%	16%
Total Capital Ratio	12.9% -0.5pp YoY -0.3pp QoQ	-3.8pp	16.7%	17.5%	20.8%	20%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Full-Time Employees	175 +3 (+1.7%) YoY +5 (+2.9%) QoQ	-139	313	170	482	32%
Assets per Employee ($)	$6.8M +7.1% YoY +0.5% QoQ	-$3.7M	$10.5M	$9.4M	$8.8M	22%
Branch Count	8 0 YoY 0 QoQ	-12	20	9	18	20%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.2pp	0.2%	0.2%	0.4%	9%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.8%	1.1%	1.0%	14%
Allowance Coverage	8.28x +37.6% YoY +5.2% QoQ	-10.43x	18.71x	46.66x	20.23x	85%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	38%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
ROE	5.1% -5.4pp YoY -7.5pp QoQ	-7.5pp	12.6%	8.0%	11.6%	8%
Cost of Funds (YTD)	1.7% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.9%	1.9%	1.7%	34%
Net Income ($, YTD)	$2.6M -47.2% YoY — QoQ	-$16.7M	$19.2M	$8.4M	$40.4M	5%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#91 of 221 • Top 40.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.13%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

133

Nonperforming Asset Ratio

credit_quality

Value: 0.10%

Peer Median: 0.67%

#133 of 885 Top 14.9% in $1B-$10B

133

Delinquency Rate

credit_quality

Value: 0.13%

Peer Median: 0.87%

#133 of 882 Top 15.0% in $1B-$10B

Top Weaknesses (3 metrics)

830

Return on Assets

profitability

Value: 0.45%

Peer Median: 1.39%

#830 of 885 Bottom 6.3% in $1B-$10B

738

Total Assets

size

Value: $1.19B

Peer Median: $2.79B

#738 of 885 Bottom 16.7% in $1B-$10B

695

Total Deposits

size

Value: $1.08B

Peer Median: $2.32B

#695 of 885 Bottom 21.6% in $1B-$10B