BlastPoint's Banking Scorecard
Mountain Valley Bank, N.A.
Designations: ✓ CDFI-certified
Elkins, WV
4 branches across WV
Mountain Valley Bank, N.A. has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 0.37% above tier average
- + Efficiency Ratio 2.69% below tier average
- + Delinquency Rate 0.72% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 52.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$204.2M
+2.2% YoY
+2.6% QoQ
|
-$181.9M |
$386.1M
+0.5% YoY
|
$1.2B
+2.9% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$125.2M
+5.8% YoY
+2.7% QoQ
|
-$130.5M |
$255.7M
+1.1% YoY
|
$864.0M
+4.3% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$177.9M
+1.7% YoY
+2.6% QoQ
|
-$150.1M |
$328.0M
+0.1% YoY
|
$1.0B
+3.7% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
1.36%
-7.3% YoY
-10.8% QoQ
|
+0.09% |
1.27%
+12.9% YoY
|
0.95%
+29.1% YoY
|
1.23%
+13.4% YoY
|
59% |
| Net Interest Margin ? |
4.31%
+4.4% YoY
-2.1% QoQ
|
+0.37% |
3.93%
+6.0% YoY
|
3.79%
+9.5% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
62.60%
+7.4% YoY
+6.7% QoQ
|
-2.69% |
65.29%
-4.5% YoY
|
70.57%
-7.5% YoY
|
66.95%
-4.1% YoY
|
52% |
| Delinquency Rate ? |
0.16%
-43.9% YoY
-37.3% QoQ
|
-0.72% |
0.89%
+18.8% YoY
|
0.74%
+24.2% YoY
|
0.95%
+18.8% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
70.38%
+4.0% YoY
+0.1% QoQ
|
-6.26% |
76.64%
+0.8% YoY
|
78.35%
+1.2% YoY
|
76.70%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
30.78%
-4.9% YoY
-0.8% QoQ
|
+8.76% |
22.02%
-1.0% YoY
|
26.63%
-0.0% YoY
|
22.01%
-1.2% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.24%
+40.3% YoY
-20.7% QoQ
|
-0.40% |
0.64%
+19.7% YoY
|
0.57%
+21.1% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
13.54%
+0.7% YoY
+3.1% QoQ
|
-2.29% |
15.83%
+1.5% YoY
|
14.22%
+0.9% YoY
|
17.06%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.12%
-6.4% YoY
-74.7% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.14%
-2.1% YoY
|
0.32%
+4.1% YoY
|
62% |
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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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.