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Mountain Valley Bank

Dunlap, TN · Cert 1705 · Sequatchie County Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$254.6MAssets
$201.6MLoans
$198.9MDeposits
$25.1MEquity
Loan mix
90%RE $184.7M8%C&I $16.6M2%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $160.8M19%Noninterest $38.1MQ2 2025Q2 2026

NIM

5.61%Q2 ’245.74%Q2 ’255.91%Q2 ’26+0%+14%

Non-interest income vs. expense

3.53%Q2 ’243.38%Q2 ’253.55%Q2 ’26-1%+4%

Market Position · Chattanooga, TN-GA · 2026 SOD (annual) · 1.3% share · #15 of 30 inst. · $0.2B of $15.8B

32.5% Sequatchie
5.3% Marion
0.2% Hamilton

Executive Summary

  • Earnings: ROA of 0.51%, up 20 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.54% of loans (+16 bps YoY), with net charge-offs at 0.42%.
  • Capital: tier 1 leverage ratio of 10.02%, up 78 bps from a year ago.
  • Funding: loans stand at 101.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.51%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+46 bps YoY

Efficiency Ratio (YTD, annualized)

83.83%-702 bps YoY

Tier 1 Leverage Ratio

10.02%+78 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.44%0.54%0.55%0.51%+20 bps
Return on Equity3.50%4.91%6.03%5.78%5.23%+173 bps
Net Interest Margin3.37%3.44%3.55%3.75%3.82%+46 bps
Efficiency Ratio90.86%88.04%85.05%82.19%83.83%-702 bps
Non-Interest Burden3.03%2.99%2.96%3.01%3.14%+11 bps
Growth
Asset Growth (YoY)9.85%0.87%1.55%-1.07%-3.34%-1,319 bps
Loan Growth (YoY)6.12%4.70%0.85%-2.15%-2.78%-890 bps
Deposit Growth (YoY)21.56%0.13%1.04%-1.99%-4.85%-2,641 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.54%1.27%0.63%0.54%+16 bps
Net Charge-Offs / Loans0.04%0.02%0.03%0.80%0.42%+38 bps
Allowance / Loans0.86%0.78%0.85%0.67%0.70%-17 bps
Allowance Coverage of NPLs2.3x1.5x0.7x1.1x1.3x-1.0x
Capital
Tier 1 Leverage Ratio9.24%9.32%9.60%9.71%10.02%+78 bps
Total Risk-Based Capital14.78%14.38%15.44%15.64%16.05%+127 bps
Equity / Assets8.88%9.22%9.48%9.66%9.84%+96 bps
Liquidity & Funding
Loans / Deposits99.20%104.67%101.15%102.39%101.36%+216 bps
Liquid Assets / Assets6.88%3.23%6.42%5.41%5.95%-93 bps
CRE / Total Capitaln/a373%358%355%n/an/a