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Overview / Commentary
461 Main
Walden, CO 80480

Mountain Valley Bank (CO) is headquartered in Walden and is the 52nd largest bank in the state of Colorado. It is also the 3,671st largest bank in the nation. It was established in 1955 and as of June of 2014, it had grown to 38 employees at 4 locations. Mountain Valley Bank (CO) has a B+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Mountain Valley Bank (CO) had $2.34 million in non-current loans and owned real-estate with $16.36 million in equity and loan loss allowances on hand to cover it. This gives Mountain Valley Bank (CO) a Texas Ratio of 14.31% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Mountain Valley Bank (CO) decreased slightly from 18.85% as of June 30, 2013 to 14.31% as of June 30, 2014, resulting in a positive change of 24.08%.This indicates that the balance sheet and financial strength for Mountain Valley Bank (CO) has improved slightly in recent periods.

Deposit Growth


In the past year, Mountain Valley Bank (CO) has decreased its total deposits by $-249,000, resulting in -0.19% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Mountain Valley Bank (CO) has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Mountain Valley Bank (CO) has $151.53 million in assets with $16.36 million in equity, resulting in a capitalization level of 10.79%, which is above average.

Institution Statistics

FDIC Certificate #17411
Year Established1955
Primary RegulatorFDIC
Assets and Liabilities
Assets$151.53 million
Loans$85.35 million
Deposits$133.40 million
Equity Capital$16.36 million
Loan Loss Allowance$0
Unbacked Noncurrent Loans$1.27 million
Real Estate Owned$1.07 million
Historic Data - June 2013
Assets$148.79 million
Equity Capital$13.80 million
Loan Loss Allowance$1.49 million
Unbacked Noncurrent Loans$1.27 million
Real Estate Owned$1.81 million
Profit Margin - Quarterly
Return on Assets-0.01%
Return on Equity-0.08%
Interest Income$17,000

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Mountain Valley Bank (CO) Locations
Hayden Branch101 N 6th StreetHayden, CO 81639
Mountain Valley Bank - Steamboat Springs Branch2201 Curve PlazaSteamboat Springs, CO 80487
Mountain Valley Bank - Meeker Branch400 Main StreetMeeker, CO 81641
Mountain Valley Bank461 MainWalden, CO 80480