Mountain Valley Bank, N.A. is headquartered in Elkins and is the 39th largest bank in the state of West Virginia. It is also the 3,738th largest bank in the nation. It was established in 1909 and as of March of 2017, it had grown to 40 employees at 4 locations. Mountain Valley Bank, N.A. has an A+ health rating.
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.
|FDIC Certificate #||6786|
|Return on Assets - YTD||0.7%|
|Return on Equity - YTD||5.83%|
|Annual Interest Income||$1.3MM|
|Assets and Liabilities|
|Assets||Q1 2017vs Q1 2016||$137.7MM$135.1MM|
|Loans||Q1 2017vs Q1 2016||$88.4MM$90.2MM|
|Deposits||Q1 2017vs Q1 2016||$115.6MM$113.6MM|
|Equity Capital||Q1 2017vs Q1 2016||$17.2MM$17.1MM|
|Loan Loss Allowance||Q1 2017vs Q1 2016||$1.1MM$1.3MM|
|Unbacked Noncurrent Loans||Q1 2017vs Q1 2016||$68.00K$0|
|Real Estate Owned||Q1 2017vs Q1 2016||$0$285.00K|
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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||1955 Beverly Pike||Elkins, WV 26241|
|Mill Creek Branch||9896 Seneca Trail||Mill Creek, WV 26280|