BlastPoint's Banking Scorecard

Mountain Valley Bank

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

Walden, CO

7 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in 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 0.67% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 15.2% in tier
- Liquidity Strain: Bottom 25.2% in tier
- Flatlined Growth: Bottom 37.5% in tier
- ROA 0.30% below tier average
- Net Interest Margin 0.19% below tier average
- Efficiency Ratio 1.09% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$557.2M +0.4% YoY -0.9% QoQ	+$171.1M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	77%
Total Loans ?	$409.7M +5.2% YoY +2.1% QoQ	+$154.0M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$447.4M +2.5% YoY -1.3% QoQ	+$119.4M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	75%
Return on Assets ?	0.97% +27.1% YoY +10.2% QoQ	-0.30%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	36%
Net Interest Margin ?	3.74% +11.4% YoY +3.7% QoQ	-0.19%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	66.38% +5.8% YoY -0.6% QoQ	+1.09%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	41%
Delinquency Rate ?	0.22% -22.0% YoY +9.7% QoQ	-0.67%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	91.57% +2.7% YoY +3.4% QoQ	+14.93%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	23.51% +1.8% YoY -9.1% QoQ	+1.49%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	61%
Nonperforming Asset Ratio ?	0.16% -18.3% YoY +13.0% QoQ	-0.48%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	63%
Tier 1 Capital Ratio ?	10.37% +8.5% YoY +1.9% QoQ	-5.46%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	Bottom 14.7% in tier
Non-Interest Income / Assets ?	0.09% +23.7% YoY -74.0% QoQ	-0.19%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	44%

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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)

Capital Thin

risk

#102 of 666 • Bottom 15.2% 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: 10.37%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#163 of 643 • Bottom 25.2% 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: 91.57%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Flatlined Growth

risk

#193 of 512 • Bottom 37.5% 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: 0.97%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

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 (2 metrics)

520

Total Loans

size

Value: $409.70M

Peer Median: $255.72M

#520 of 2664 Top 19.5% in $100M-$1B

615

Total Assets

size

Value: $557.17M

Peer Median: $386.08M

#615 of 2664 Top 23.0% in $100M-$1B

Top Weaknesses (2 metrics)

2274

Tier 1 Capital Ratio

capital

Value: 10.37%

Peer Median: 15.83%

#2274 of 2664 Bottom 14.7% in $100M-$1B

2091

Loan-to-Deposit Ratio

liquidity

Value: 91.57%

Peer Median: 76.64%

#2091 of 2664 Bottom 21.5% in $100M-$1B