Mountain Valley Bank (CO)
Mountain Valley Bank (CO) is headquartered in Walden and is the 52nd largest bank in the state of Colorado. It is also the 3,612st largest bank in the nation. It was established in 1955 and as of December of 2013, it had grown to 38 employees at 4 locations. Mountain Valley Bank (CO) has a B+ health rating.
Data for Q4 2013
Institution Health
Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Mountain Valley Bank (CO) had $2.52 million in non-current loans and owned real-estate with $15.31 million in equity and loan loss allowances on hand to cover it. This gives Mountain Valley Bank (CO) a Texas Ratio of 16.44% 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 19.87% as of December 31, 2012 to 16.44% as of December 31, 2013, resulting in a positive change of 17.25%.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 increased its total deposits by $9.12 million, resulting in 6.87% 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 excellent.
Capitalization
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 $157.12 million in assets with $15.31 million in equity, resulting in a capitalization level of 9.74%, which is above average.
Institution Statistics
| Overall | |
|---|---|
| FDIC Certificate # | 17411 |
| Year Established | 1955 |
| Employees | 38 |
| Primary Regulator | FDIC |
| Assets and Liabilities | |
|---|---|
| Assets | $157.12 million |
| Loans | $83.98 million |
| Deposits | $141.85 million |
| Equity Capital | $14.00 million |
| Loan Loss Allowance | $1.30 million |
| Unbacked Noncurrent Loans | $876,000 |
| Real Estate Owned | $1.64 million |
| Historic Data - December 2012 | |
|---|---|
| Assets | $148.33 million |
| Equity Capital | $14.46 million |
| Loan Loss Allowance | $1.80 million |
| Unbacked Noncurrent Loans | $876,000 |
| Real Estate Owned | $2.07 million |
| Profit Margin - Quarterly | |
|---|---|
| Net Interest Margin | 4.18% |
| Return on Assets | 0.75% |
| Return on Equity | 8.05% |
| Interest Income | $6.44 million |
Sorry, we do not have rate data for Mountain Valley Bank (CO)
| Mountain Valley Bank (CO) Locations | ||
|---|---|---|
| Hayden Branch | 101 N 6th Street | Hayden, CO 81639 |
| Mountain Valley Bank - Steamboat Springs Branch | 2201 Curve Plaza | Steamboat Springs, CO 80487 |
| Mountain Valley Bank - Meeker Branch | 400 Main Street | Meeker, CO 81641 |
| Mountain Valley Bank | 461 Main | Walden, CO 80480 |