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Mountain Valley Bank, N.A.

Mountain Valley Bank, N.A.
Overview / Commentary
317 Davis Avenue
Elkins, WV 26241

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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Data for Q1 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 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.

Deposit Growth


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.

Institution Statistics

FDIC Certificate #6786
Year Established1909
Primary RegulatorOCC
Assets and Liabilities
Assets$134.73 million
Loans$80.84 million
Deposits$114.94 million
Equity Capital$16.07 million
Loan Loss Allowance$1.25 million
Real Estate Owned$0
Historic Data - March 2013
Assets$127.27 million
Equity Capital$15.73 million
Loan Loss Allowance$1.17 million
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.68%
Return on Assets0.65%
Return on Equity5.43%
Interest Income$1.27 million

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Mountain Valley Bank, N.A. Locations
Mountain Valley Bank, N.A.317 Davis AvenueElkins, WV 26241
Parsons Branch401 First StreetParsons, WV 26287
Elkins BranchChenoweth Creek Rd & Route 219 SouthElkins, WV 26241
Mill Creek BranchConrad Street and Route 219 SouthMill Creek, WV 26280