BlastPoint

BlastPoint's Banking Scorecard

Mountain Valley Bank, N.A.

$100M-$1B Specialty: Commercial WV FDIC cert 6786

Designations: ✓ CDFI-certified

Elkins, WV

4 branches across WV

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 32 in WV.
  • Deposits +0.3% year over year ($175.1M on the books).
  • Delinquency rate 0.19%.
  • Return on assets 1.40%.
  • Efficiency ratio 61.82% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.89% 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 32 in WV
View $100M-$1B leaderboard (WV) →

Mountain Valley Bank, N.A. has 4 strengths but faces 1 concern

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

  • + ROA 0.08% above tier average
  • + Net Interest Margin 0.44% above tier average
  • + Efficiency Ratio 2.66% below tier average
  • + Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 56.7% in tier
Get updates when Mountain Valley Bank, N.A. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Total Assets ? $201.9M
+1.5% YoY -1.1% QoQ
-$184.7M $386.6M
+1.2% YoY
$1.3B
+5.7% YoY
$6.3B
+7.7% YoY
27%
Total Loans ? $127.6M
+6.2% YoY +1.9% QoQ
-$130.7M $258.3M
+1.7% YoY
$899.3M
+7.6% YoY
$3.2B
+9.4% YoY
28%
Total Deposits ? $175.1M
+0.3% YoY -1.6% QoQ
-$151.7M $326.7M
+0.7% YoY
$1.1B
+6.2% YoY
$4.9B
+7.3% YoY
28%
Return on Assets ? 1.40%
-7.7% YoY +3.5% QoQ
+0.08% 1.32%
+10.8% YoY
1.06%
+30.6% YoY
1.30%
+12.1% YoY
59%
Net Interest Margin ? 4.43%
+3.5% YoY +2.8% QoQ
+0.44% 3.99%
+5.0% YoY
3.90%
+8.7% YoY
3.95%
+4.9% YoY
76%
Efficiency Ratio ? 61.82%
+7.3% YoY -1.2% QoQ
-2.66% 64.48%
-3.2% YoY
68.34%
-7.3% YoY
70.05%
+2.5% YoY
52%
Delinquency Rate ? 0.19%
-64.2% YoY +17.8% QoQ
-0.73% 0.92%
+15.7% YoY
0.74%
+17.9% YoY
0.98%
+16.3% YoY
66%
Loan-to-Deposit Ratio ? 72.89%
+5.9% YoY +3.6% QoQ
-5.06% 77.95%
+1.0% YoY
79.72%
+2.0% YoY
79.03%
+2.3% YoY
64%
Non-Interest-Bearing Deposit Share ? 30.60%
-4.5% YoY -0.6% QoQ
+8.57% 22.03%
-0.6% YoY
26.43%
-1.4% YoY
21.98%
-0.6% YoY
84%
Nonperforming Asset Ratio ? 0.26%
-18.3% YoY +9.5% QoQ
-0.40% 0.67%
+16.4% YoY
0.55%
+10.4% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 13.65%
+6.6% YoY +0.8% QoQ
-2.26% 15.91%
+1.4% YoY
14.02%
-0.7% YoY
17.09%
+0.8% YoY
55%
Non-Interest Income / Assets ? 0.23%
-4.4% YoY +92.7% QoQ
-0.34% 0.57%
+7.6% YoY
0.30%
+5.9% YoY
0.66%
+5.2% YoY
58%

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 (WV) National Avg Tier Percentile
Noninterest-Bearing 30.6%
-1.4pp YoY
-0.2pp QoQ
 +8.4pp 22.1% 27.1% 22.2% 84%
Brokered Deposits n/a n/a 7.9% 3.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
C&I 8.9%
-1.1pp YoY
0.0pp QoQ
 -2.6pp 11.6% 7.1% 12.5% 46%
CRE 40.2%
0.0pp YoY
-1.1pp QoQ
 +0.7pp 39.5% 33.8% 41.4% 54%
1-4 Family 45.6%
-0.4pp YoY
+0.5pp QoQ
 +12.9pp 32.6% 52.8% 31.3% 78%
Consumer 2.6%
-0.7pp YoY
-0.2pp QoQ
 -1.5pp 4.1% 7.9% 5.0% 55%

Capital

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.1% 19.7% n/a
Leverage Ratio 13.6%
+0.8pp YoY
+0.1pp QoQ
 +1.5pp 12.2% 11.6% 12.6% 80%
Total Capital Ratio n/a n/a 19.9% 18.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Full-Time Employees 43
+3 (+7.5%) YoY
+2 (+4.9%) QoQ
 -16 58 161 482 45%
Assets per Employee ($) $4.7M
-5.6% YoY
-5.7% QoQ
 -$2.8M $7.5M $6.1M $8.8M 11%
Branch Count 4
0 YoY
0 QoQ
 -1 4 13 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.4% 54%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.7% 1.0% 15%
Allowance Coverage 6.20x
+158.1% YoY
-16.3% QoQ
 -17.96x 24.15x 6.60x 20.23x 74%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 51%

Profitability

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
ROE 11.2%
-1.7pp YoY
+0.2pp QoQ
 -1.0pp 12.2% 10.6% 11.6% 44%
Cost of Funds (YTD) 1.0%
0.0pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.5% 1.7% 10%
Net Income ($, YTD) $1.4M
-6.1% YoY
— QoQ
 -$1.1M $2.6M $9.0M $40.4M 39%

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 (1)

Margin Compression

decline
#175 of 307 • Bottom 56.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.40%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

433
Non-Interest-Bearing Deposit Share
funding
Value: 30.60%
Peer Median: 22.03%
#433 of 2643 Top 16.3% in $100M-$1B
631
Net Interest Margin
profitability
Value: 4.43%
Peer Median: 3.99%
#631 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026