Advertisement
Mountain Valley Bank
Dunlap, TN · FDIC Certificate #1705 · Chartered 01/0
Total assets
$254.61M
Total deposits
$198.90M
Total equity
$25.05M
Net loans
$200.21M
Branches (offices)
5
Net income (YTD)
$649.00K
Rank: #2,690 of 4,213 U.S. banks by assets · #79 of 109 in Tennessee. Assets changed -3.3% and deposits -4.9% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.51% |
| Return on equity | 5.23% |
| Net interest margin (YTD) | 3.99% |
| Equity to assets | 9.84% |
| Tier 1 leverage ratio | 10.02% |
| Uninsured deposits (share of deposits) | 13.5% |
| Noncurrent loans (share of loans) | 0.54% |
| Net charge-offs (share of loans) | 0.41% |
| Loans to deposits | 100.7% |
| Real estate loans (share of loans) | 89.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $178.84M | 89.3% | |
| Commercial & industrial | $17.96M | 9.0% | |
| Consumer / individual | $4.16M | 2.1% | |
| Construction & development | $25.41M | 12.7% | |
| Agricultural | $362.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $153.85M | $139.40M | $185.00K | $14.27M |
| Jun 2023 | $207.09M | $147.97M | $166.00K | $19.65M |
| Jun 2024 | $239.78M | $171.97M | $302.00K | $21.48M |
| Jun 2025 | $263.40M | $209.04M | $401.00K | $23.40M |
| Jun 2026 | $254.61M | $198.90M | $649.00K | $25.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $198.90M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $198.90M.
Similar-sized banks
Farmers State Bank ($254.77M) · Merchants Bank ($254.28M)
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.
Advertisement