BlastPoint's Banking Scorecard

Mountain Valley Bank

$100M-$1B Specialty: Commercial TN FDIC cert 1705

Dunlap, TN

7 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN

Mountain Valley Bank has 1 strength but faces 6 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

+ Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 4.9% in tier
- Liquidity Strain: Bottom 26.0% in tier
- Deposit Outflow: Bottom 31.6% in tier
- Credit Quality Pressure: Bottom 34.9% in tier
- Efficiency Drag: Bottom 47.6% in tier
- ROA 0.72% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$256.4M -1.1% YoY -1.2% QoQ	-$129.6M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	38%
Total Loans ?	$204.5M -2.0% YoY -0.2% QoQ	-$51.2M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	50%
Total Deposits ?	$201.1M -2.0% YoY -1.6% QoQ	-$126.9M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	34%
Return on Assets ?	0.55% +81.7% YoY +1.6% QoQ	-0.72%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	Bottom 14.5% in tier
Net Interest Margin ?	3.96% +12.3% YoY +5.7% QoQ	+0.03%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	82.19% -8.3% YoY -3.4% QoQ	+16.91%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	Bottom 12.8% in tier
Delinquency Rate ?	0.64% +26.5% YoY -50.4% QoQ	-0.25%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	101.71% +0.0% YoY +1.4% QoQ	+25.07%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	Bottom 7.1% in tier
Non-Interest-Bearing Deposit Share ?	18.09% -6.9% YoY +0.9% QoQ	-3.93%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	37%
Nonperforming Asset Ratio ?	0.51% +25.4% YoY -49.8% QoQ	-0.13%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	37%
Tier 1 Capital Ratio ?	14.79% +10.9% YoY +2.8% QoQ	-1.04%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.10% +15.1% YoY -77.0% QoQ	-0.18%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	49%

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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 (0)

No matched strength signatures this quarter

Concerns (5)

Flatlined Growth

risk

#26 of 512 • Bottom 4.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.55%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#168 of 643 • Bottom 26.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 101.71%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#161 of 506 • Bottom 31.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Credit Quality Pressure

risk

#457 of 1308 • Bottom 34.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.64%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#198 of 414 • Bottom 47.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 82.19%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2477

Loan-to-Deposit Ratio

liquidity

Value: 101.71%

Peer Median: 76.64%

#2477 of 2664 Bottom 7.1% in $100M-$1B

2325

Efficiency Ratio

profitability

Value: 82.19%

Peer Median: 65.29%

#2325 of 2664 Bottom 12.8% in $100M-$1B

2279

Return on Assets

profitability

Value: 0.55%

Peer Median: 1.27%

#2279 of 2664 Bottom 14.5% in $100M-$1B