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Mountain Valley Bank

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

Dunlap, TN

7 branches across TN

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
  • Deposits -4.9% year over year ($198.9M on the books).
  • Delinquency rate 0.54%.
  • Return on assets 0.51%.
  • Efficiency ratio 83.83% vs a 64.48% peer average.
  • Loan-to-deposit ratio 100.66% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (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 0.38% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 17.7% in tier
  • - Deposit Outflow: Bottom 23.5% in tier
  • - Credit Quality Pressure: Bottom 35.5% in tier
  • - Capital Constraint: Bottom 66.4% in tier
  • - Efficiency Ratio 19.35% above tier average
  • - ROA 0.82% below tier average
Get updates when Mountain Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $254.6M
-3.3% YoY -0.7% QoQ
-$132.0M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
37%
Total Loans ? $200.2M
-2.6% YoY -2.1% QoQ
-$58.1M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
48%
Total Deposits ? $198.9M
-4.9% YoY -1.1% QoQ
-$127.8M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 0.51%
+63.4% YoY -8.7% QoQ
-0.82% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
Bottom 12.4% in tier
Net Interest Margin ? 3.99%
+12.2% YoY +0.6% QoQ
+0.00% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
53%
Efficiency Ratio ? 83.83%
-7.7% YoY +2.0% QoQ
+19.35% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
Bottom 10.0% in tier
Delinquency Rate ? 0.54%
+42.1% YoY -15.4% QoQ
-0.38% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
44%
Loan-to-Deposit Ratio ? 100.66%
+2.4% YoY -1.0% QoQ
+22.71% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
Bottom 9.3% in tier
Non-Interest-Bearing Deposit Share ? 19.15%
-1.1% YoY +5.9% QoQ
-2.88% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 0.42%
+43.2% YoY -16.6% QoQ
-0.24% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 15.17%
+10.3% YoY +2.6% QoQ
-0.74% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.21%
+18.4% YoY +113.3% QoQ
-0.36% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
52%

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 (TN) National Avg Tier Percentile
Noninterest-Bearing 19.2%
-0.2pp YoY
+1.1pp QoQ
 -3.0pp 22.1% 18.8% 22.2% 41%
Brokered Deposits n/a n/a 7.9% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 9.0%
+0.2pp YoY
+0.9pp QoQ
 -2.6pp 11.6% 10.9% 12.5% 46%
CRE 45.3%
+4.0pp YoY
+1.6pp QoQ
 +5.7pp 39.5% 42.4% 41.4% 63%
1-4 Family 43.0%
-4.2pp YoY
-2.6pp QoQ
 +10.4pp 32.6% 39.8% 31.3% 75%
Consumer 2.1%
+0.3pp YoY
+0.3pp QoQ
 -2.0pp 4.1% 4.5% 5.0% 49%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 15.2%
+1.4pp YoY
+0.4pp QoQ
 -3.7pp 18.8% 14.8% 19.7% 51%
Leverage Ratio 10.0%
+0.8pp YoY
+0.3pp QoQ
 -2.1pp 12.2% 11.4% 12.6% 32%
Total Capital Ratio 16.0%
+1.3pp YoY
+0.4pp QoQ
 -3.9pp 19.9% 15.9% 20.8% 48%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 61
0 YoY
0 QoQ
 +2 58 270 482 64%
Assets per Employee ($) $4.2M
-3.3% YoY
-0.7% QoQ
 -$3.3M $7.5M $7.1M $8.8M 6%
Branch Count 7
0 YoY
0 QoQ
 +2 4 17 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.2pp YoY
-0.4pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 34%
Nonaccrual 0.5%
+0.3pp YoY
+0.3pp QoQ
 -0.4pp 0.9% 0.7% 1.0% 53%
Allowance Coverage 1.30x
-43.4% YoY
+22.8% QoQ
 -22.86x 24.15x 28.97x 20.23x 35%
Net Charge-off Rate (YTD) 0.4%
+0.4pp YoY
-0.4pp QoQ
 +0.3pp 0.1% 0.1% 0.2% 92%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 5.2%
+1.7pp YoY
-0.5pp QoQ
 -7.0pp 12.2% 10.9% 11.6% 14%
Cost of Funds (YTD) 2.2%
-0.3pp YoY
0.0pp QoQ
 +0.5pp 1.7% 2.0% 1.7% 80%
Net Income ($, YTD) $649,000
+61.8% YoY
— QoQ
 -$1.9M $2.6M $16.7M $40.4M 14%

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 (4)

Liquidity Strain

risk
#123 of 691 • Bottom 17.7% 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: 100.66%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#127 of 535 • Bottom 23.5% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#447 of 1256 • Bottom 35.5% in tier

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

Why this signature
Delinquency Rate: 0.54%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Capital Constraint

risk
#72 of 107 • Bottom 66.4% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 100.66%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 15.17%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2398
Loan-to-Deposit Ratio
liquidity
Value: 100.66%
Peer Median: 77.95%
#2398 of 2643 Bottom 9.3% in $100M-$1B
2380
Efficiency Ratio
profitability
Value: 83.83%
Peer Median: 64.48%
#2380 of 2643 Bottom 10.0% in $100M-$1B
2317
Return on Assets
profitability
Value: 0.51%
Peer Median: 1.32%
#2317 of 2643 Bottom 12.4% in $100M-$1B
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