BlastPoint's Banking Scorecard

Mountain Valley Bank

$100M-$1B Specialty: Commercial CO FDIC cert 17411

Walden, CO

7 branches across CO

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 49 in CO.
Deposits -0.7% year over year ($445.4M on the books).
Delinquency rate 0.20%.
Return on assets 0.91%.
Efficiency ratio 67.41% vs a 64.48% peer average.
Loan-to-deposit ratio 91.07% 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 49 in CO

View $100M-$1B leaderboard (CO) →

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 0.72% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 9.8% in tier
- Capital Thin: Bottom 19.2% in tier
- Flatlined Growth: Bottom 29.5% in tier
- ROA 0.41% below tier average
- Net Interest Margin 0.19% below tier average
- Efficiency Ratio 2.93% above 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 (CO)	National Avg	Tier Percentile
Total Assets ?	$556.5M +0.2% YoY -0.1% QoQ	+$170.0M	$386.6M +1.2% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	77%
Total Loans ?	$405.6M +1.6% YoY -1.0% QoQ	+$147.3M	$258.3M +1.7% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	80%
Total Deposits ?	$445.4M -0.7% YoY -0.5% QoQ	+$118.7M	$326.7M +0.7% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	74%
Return on Assets ?	0.91% +18.4% YoY -6.6% QoQ	-0.41%	1.32% +10.8% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	29%
Net Interest Margin ?	3.80% +10.2% YoY +1.5% QoQ	-0.19%	3.99% +5.0% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	42%
Efficiency Ratio ?	67.41% +0.9% YoY +1.6% QoQ	+2.93%	64.48% -3.2% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	36%
Delinquency Rate ?	0.20% -18.7% YoY -11.6% QoQ	-0.72%	0.92% +15.7% YoY	0.85% +17.5% YoY	0.98% +16.3% YoY	66%
Loan-to-Deposit Ratio ?	91.07% +2.3% YoY -0.5% QoQ	+13.12%	77.95% +1.0% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	22.79% +3.5% YoY -3.1% QoQ	+0.76%	22.03% -0.6% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	59%
Nonperforming Asset Ratio ?	0.14% -17.5% YoY -12.4% QoQ	-0.53%	0.67% +16.4% YoY	0.49% -10.9% YoY	0.69% +15.8% YoY	66%
Tier 1 Capital Ratio ?	10.50% +6.5% YoY +1.3% QoQ	-5.40%	15.91% +1.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.16% +2.8% YoY +77.8% QoQ	-0.41%	0.57% +7.6% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	36%

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 (CO)	National Avg	Tier Percentile
Noninterest-Bearing	22.8% +0.8pp YoY -0.7pp QoQ	+0.6pp	22.1%	23.5%	22.2%	58%
Brokered Deposits	3.2% -2.9pp YoY -1.5pp QoQ	-4.7pp	7.9%	7.4%	8.5%	39%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	13.3% +0.6pp YoY +0.4pp QoQ	+1.7pp	11.6%	8.4%	12.5%	69%
CRE	34.6% -0.3pp YoY -2.2pp QoQ	-4.9pp	39.5%	42.8%	41.4%	43%
1-4 Family	30.4% -2.9pp YoY +2.7pp QoQ	-2.2pp	32.6%	33.0%	31.3%	52%
Consumer	1.9% -0.4pp YoY -0.1pp QoQ	-2.2pp	4.1%	3.9%	5.0%	46%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	24.9%	19.7%	n/a
Leverage Ratio	10.5% +0.6pp YoY +0.1pp QoQ	-1.7pp	12.2%	12.5%	12.6%	41%
Total Capital Ratio	n/a	n/a	19.9%	26.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	64 +3 (+4.9%) YoY +14 (+28.0%) QoQ	+5	58	107	482	66%
Assets per Employee ($)	$8.7M -4.5% YoY -22.0% QoQ	+$1.2M	$7.5M	$7.8M	$8.8M	76%
Branch Count	7 0 YoY 0 QoQ	+2	4	7	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.7%	0.4%	6%
Nonaccrual	0.2% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.9%	0.8%	1.0%	29%
Allowance Coverage	5.85x +16.5% YoY +12.0% QoQ	-18.30x	24.15x	12.16x	20.23x	73%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	73%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	8.7% +0.7pp YoY -0.7pp QoQ	-3.5pp	12.2%	9.7%	11.6%	29%
Cost of Funds (YTD)	1.8% -0.3pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.7%	1.7%	59%
Net Income ($, YTD)	$2.5M +17.9% YoY — QoQ	-$18K	$2.6M	$5.4M	$40.4M	62%

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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 (3)

Liquidity Strain

risk

#69 of 691 • Bottom 9.8% 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: 91.07%

(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

Capital Thin

risk

#128 of 661 • Bottom 19.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.50%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Flatlined Growth

risk

#157 of 529 • Bottom 29.5% 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: 0.91%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ | 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

533

Total Loans

size

Value: $405.61M

Peer Median: $258.35M

#533 of 2643 Top 20.1% in $100M-$1B

612

Total Assets

size

Value: $556.54M

Peer Median: $386.57M

#612 of 2643 Top 23.1% in $100M-$1B

Top Weaknesses (2 metrics)

2200

Tier 1 Capital Ratio

capital

Value: 10.50%

Peer Median: 15.91%

#2200 of 2643 Bottom 16.8% in $100M-$1B

2011

Loan-to-Deposit Ratio

liquidity

Value: 91.07%

Peer Median: 77.95%

#2011 of 2643 Bottom 24.0% in $100M-$1B