Middletown Valley Bank
Middletown, MD · Cert 14017 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Community Heritage Finl Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$1.2BAssets
$976.6MLoans
$1.1BDeposits
$100.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 90% of banks $1B-$10B in assets operating regionally (rank 18 of 176).
- Widest gap: return on assets trails 95% of banks $1B-$10B in assets operating regionally (rank 167 of 176).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.43%
Rank 167 of 176
Net Interest Margin
3.67%
Rank 77 of 176
Efficiency Ratio
61.01%
Rank 98 of 176
Equity / Assets
8.43%
Rank 153 of 176
Non-interest income vs. expense
Unfavorable gap of $24.1M · efficiency ratio beats 45% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.43% | 0.93% | 1.26% | 1.54% | Beats 5% | 167 / 176 | |
| Return on Equity | 5.12% | 9.26% | 11.89% | 14.46% | Beats 6% | 166 / 176 | |
| Net Interest Margin | 3.67% | 3.25% | 3.59% | 3.93% | Beats 56% | 77 / 176 | |
| Efficiency Ratio | 61.01% | 52.79% | 59.55% | 67.66% | Beats 45% | 98 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.30% | 0.64% | 1.32% | Beats 90% | 18 / 176 | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.04% | 0.10% | Beats 34% | 118 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 11.72% | 11.15% | 12.72% | 14.15% | Beats 35% | 115 / 176 | |
| Total Risk-Based Capital Ratio | 12.89% | 11.81% | 13.63% | 15.33% | Beats 39% | 107 / 176 | |
| Equity / Assets | 8.43% | 9.16% | 10.35% | 11.80% | Beats 13% | 153 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 90.51% | 80.94% | 89.73% | 97.21% | 52nd pctl | 85 / 176 | |
| Loans / Assets | 81.82% | 69.25% | 75.12% | 80.82% | 80th pctl | 36 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |