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Overview / Commentary
317 Davis Avenue
Elkins, WV 26241

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.

Reviews (1)

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 - YTD0.7%
Return on Equity - YTD5.83%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$137.7MM$135.1MM
LoansQ1 2017vs Q1 2016$88.4MM$90.2MM
DepositsQ1 2017vs Q1 2016$115.6MM$113.6MM
Equity CapitalQ1 2017vs Q1 2016$17.2MM$17.1MM
Loan Loss AllowanceQ1 2017vs Q1 2016$1.1MM$1.3MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$68.00K$0
Real Estate OwnedQ1 2017vs Q1 2016$0$285.00K

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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 Branch1955 Beverly PikeElkins, WV 26241
Mill Creek Branch9896 Seneca TrailMill Creek, WV 26280