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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 3,612st 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.

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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.



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

FDIC Certificate #17411
Year Established1955
Primary RegulatorFDIC
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 Margin4.18%
Return on Assets0.75%
Return on Equity8.05%
Interest Income$6.44 million

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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