Overview / Commentary
317 Davis Avenue
Elkins, WV 26241

Mountain Valley Bank, N.A. is headquartered in Elkins and is the 35th largest bank in the state of West Virginia. It is also the 3,566th largest bank in the nation. It was established in 1909 and as of December of 2018, it had grown to 42 employees at 4 locations. Mountain Valley Bank, N.A. has an A health rating.

Reviews (2)

Small town quality service

Mountain Valley Bank is a great small town bank. They offer standard services such as personal checking, personal savings and business checking and business savings. On a business aspect the fees and requirements aren't very up with the times. They require minimum balances and do not offer a debit card for business accounts. If you run a business in which you purchase goods or supplies online this makes it difficult to bank with them as a business. On a personal level it is really nice to have that one on one personal relationship where you walk in and they all know you by name. When you explain your situation and what you need you are a person and not just an account number. The friendly staff makes the behind the times online banking system well worth it to bank with them over a large chain where you are only an account number in their large system of customers.

Small town bank review

I bank with Mountain Valley Bank in north central West Virginia. The bank staff are usually friendly and know you by name, they go out of their way to be nice. My experience with the people is almost always a positive. They do charge high fees for overdraws, they charge $33 for each overdraft and are very reluctant to return the fees. Also the tellers are given almost no authority to reverse overdrafts, and you have to call and speak with someone to try and get the fees removed. One time I was 7 minutes late on a deposit the cutoff was 2pm and I was there at 2:07 making a $6 deposit to avoid an overdraft, they put it on next day and gave me a $33 fee on a $5 overdraft, and would not budge on returning the fee. It was my fault, but $33 seems a bit excessive.


Health Grade Components

FDIC Certificate #6786
Year Established1909
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD7.96%
Annual Interest Income$5.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$138.8MM$137.3MM
LoansQ4 2018vs Q4 2017$90.6MM$89.9MM
DepositsQ4 2018vs Q4 2017$114.8MM$114.4MM
Equity CapitalQ4 2018vs Q4 2017$18.1MM$17.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$1.2MM$1.1MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$18.00K$165.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0

Sorry, we do not have rate data for Mountain Valley Bank, N.A..


Mountain Valley Bank, N.A. Locations
Mountain Valley Bank, N.A.317 Davis AvenueElkins, WV 26241
Parsons Branch401 First StreetParsons, WV 26287
Elkins Branch1955 Beverly PikeElkins, WV 26241
Mill Creek Branch9896 Seneca TrailMill Creek, WV 26280

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