Mountain Valley Bank
Dunlap, TN · Cert 1705 · Peer group: banks under $1B in assets (n=581-629) · Sequatchie County Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$254.6MAssets
$201.6MLoans
$198.9MDeposits
$25.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 65% of banks under $1B in assets (rank 219 of 629).
- Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets (rank 536 of 581).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.51%
Rank 502 of 629
Net Interest Margin
3.82%
Rank 219 of 629
Efficiency Ratio
83.83%
Rank 509 of 629
Equity / Assets
9.84%
Rank 391 of 629
Non-interest income vs. expense
Unfavorable gap of $8.0M · efficiency ratio beats 19% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.60% | 1.01% | 1.45% | Beats 20% | 502 / 629 | |
| Return on Equity | 5.18% | 5.38% | 9.30% | 13.28% | Beats 24% | 480 / 629 | |
| Net Interest Margin | 3.82% | 3.03% | 3.54% | 4.05% | Beats 65% | 219 / 629 | |
| Efficiency Ratio | 83.83% | 58.35% | 67.79% | 79.08% | Beats 19% | 509 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.09% | 0.46% | 1.20% | Beats 46% | 314 / 581 | |
| Net Charge-Offs / Loans | 0.23% | n/a | 0.01% | 0.06% | Beats 8% | 536 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 15.17% | 11.24% | 13.84% | 18.77% | Beats 61% | 246 / 629 | |
| Total Risk-Based Capital Ratio | 16.05% | 11.58% | 14.43% | 19.66% | Beats 62% | 242 / 629 | |
| Equity / Assets | 9.84% | 9.09% | 10.65% | 13.80% | Beats 38% | 391 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 101.36% | 67.24% | 80.90% | 93.48% | 88th pctl | 73 / 594 | |
| Loans / Assets | 79.18% | 53.31% | 67.71% | 78.15% | 79th pctl | 129 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |