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Middletown Valley Bank
Middletown, MD · FDIC Certificate #14017 · Chartered 01/0
Total assets
$1.19B
Total deposits
$1.08B
Total equity
$100.63M
Net loans
$966.48M
Branches (offices)
8
Net income (YTD)
$2.58M
Rank: #897 of 4,213 U.S. banks by assets · #8 of 27 in Maryland. Assets changed 8.9% and deposits 10.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.45% |
| Return on equity | 5.06% |
| Net interest margin (YTD) | 3.78% |
| Equity to assets | 8.43% |
| Tier 1 leverage ratio | 9.18% |
| Uninsured deposits (share of deposits) | 23.2% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 89.6% |
| Real estate loans (share of loans) | 86.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $831.32M | 86.0% | |
| Commercial & industrial | $144.28M | 14.9% | |
| Consumer / individual | $977.00K | 0.1% | |
| Construction & development | $77.38M | 8.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $872.83M | $794.43M | $4.45M | $67.65M |
| Jun 2023 | $974.31M | $854.58M | $2.58M | $82.99M |
| Jun 2024 | $1.09B | $931.09M | $3.47M | $88.85M |
| Jun 2025 | $1.10B | $978.54M | $4.88M | $95.94M |
| Jun 2026 | $1.19B | $1.08B | $2.58M | $100.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $1.03B | 7 |
| Pennsylvania | $52.61M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.08B.
Similar-sized banks
The Dime Bank ($1.19B) · Helm Bank Usa ($1.19B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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