Mountain Valley Bank, N.A. is headquartered in Elkins and is the 41st largest bank in the state of West Virginia. It is also the 3,993rd largest bank in the nation. It was established in 1909 and as of March of 2014, it had grown to 41 employees at 4 locations. Mountain Valley Bank, N.A. has a A+ health rating.
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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 March 31, 2014 Mountain Valley Bank, N.A. had $0 in non-current loans and owned real-estate with $17.32 million in equity and loan loss allowances on hand to cover it. This gives Mountain Valley Bank, N.A. a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
In the past year, Mountain Valley Bank, N.A. has increased its total deposits by $9.2 million, resulting in 8.7% 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, N.A. 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, N.A. has $134.73 million in assets with $17.32 million in equity, resulting in a capitalization level of 12.85%, which is excellent.
|FDIC Certificate #||6786|
|Assets and Liabilities|
|Equity Capital||$16.07 million|
|Loan Loss Allowance||$1.25 million|
|Real Estate Owned||$0|
|Historic Data - March 2013|
|Equity Capital||$15.73 million|
|Loan Loss Allowance||$1.17 million|
|Unbacked Noncurrent Loans||$0|
|Real Estate Owned||$0|
|Profit Margin - Quarterly|
|Net Interest Margin||3.68%|
|Return on Assets||0.65%|
|Return on Equity||5.43%|
|Interest Income||$1.27 million|
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|Mountain Valley Bank, N.A. Locations|
|Mountain Valley Bank, N.A.||317 Davis Avenue||Elkins, WV 26241|
|Parsons Branch||401 First Street||Parsons, WV 26287|
|Elkins Branch||Chenoweth Creek Rd & Route 219 South||Elkins, WV 26241|
|Mill Creek Branch||Conrad Street and Route 219 South||Mill Creek, WV 26280|