# MIDDLETOWN VALLEY BANK
MIDDLETOWN, MD · FDIC certificate 14017 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.19B | |
| Deposits | $1.08B | |
| Loans and leases | $976.6M | |
| Total equity | $100.6M | |
| Loans / deposits | 89.58% (p58 of band) | 87.10% |
| Liquid assets / assets | 16.24% (p28 of band) | |
| Uninsured deposits / deposits | 23.23% (p25 of band) | 30.76% |
| Brokered deposits | 1.81% | |
| Wholesale funding | 2.23% (p31 of band) | |
| FHLB advances / assets | 0.42% | |
| Tier 1 leverage | 9.18% (p16 of band) | 10.50% |
| Unrealized securities loss / equity | -9.00% (p44 of band) | -7.75% |
| AOCI / equity | -1.41% (p10 of band) | |
| ROA (annualized) | 0.45% (p7 of band) | 1.26% |
| Net interest margin | 3.78% (p54 of band) | 3.70% |
| Efficiency ratio | 61.01% (p57 of band) | |
| Noncurrent loans | 0.12% (p16 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p44 of band) | |
| Reserve coverage of noncurrent | 827.70% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 76.89% (p76 of band) | |
| Auto loans | $20,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 10.3% | |
| Employees | 175 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 3 | capital falling |  |
| 2012-09 | 1 |  | uninsured deposits leaving, capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 2 | capital falling, reserve under noncurrent |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 | capital falling | reserve under noncurrent |
| 2018-09 | 2 | brokered >10% |  |
| 2018-12 | 1 |  | brokered >10% |
| 2019-03 | 2 | brokered >10% |  |
| 2019-06 | 1 |  | brokered >10% |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2020-06 | 2 | capital falling | wholesale funding >15% |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | brokered >10%, capital falling |
| 2021-03 | 1 | construction >100% equity |  |
| 2021-06 | 1 | charge-offs p90 | construction >100% equity |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | charge-offs p90, capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2023-06 | 3 | construction >100% equity |  |
| 2023-09 | 4 | capital falling |  |
| 2023-12 | 5 | uninsured deposits leaving |  |
| 2024-03 | 2 |  | brokered >10%, wholesale funding >15%, uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | construction >100% equity, capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-01 [Washington Township Police Seek Person of Interest in Bank Fraud Case - Franklin County Free Press](https://news.google.com/rss/articles/CBMinAFBVV95cUxQSEZIbzNJN3R1bGhMWEJqU2VRMU9ObGstMm1uazdfTmxXaVJWanNrNmtTSENzV3dCNi1tTUZPWmhuTkpObHgyaDE5ZUxsRHN2UEJkYms2dmQ2Y0RWQ3lMM1hvVmozSWF0SHFXSTZyUzFYTC1uZzFkMFcxTFhvQnFQUlBtWndLcDljX0JMeUYxQ2ttZ1pKQWlacElrN3U?oc=5) · Franklin County Free Press
- 2018-12-05 [Middletown Valley Bank to open second Hagerstown-area branch - The Herald-Mail](https://news.google.com/rss/articles/CBMixwFBVV95cUxPWTgyeGdwTS1yeUhWem9laHFmclppMFNIY3BEWlNJTWFuV3R1bHVldlpWN0Q4MHYwTDRpTTdmQmItbHlXRE8xMjNGRzVuQjF6Mm1WVi1VZU1UOGJLa2NibnpaRW1XQ1F1SzRmcEV2TElfR0d0T040SFVtRzR4Q3RfQ1lMZFI4dGdDRmY1VUVfU0RZQmtOdWVnNFhuVFFYb0ZOanMtM0d1NGNHbE0tbWRfb2VydWhzdDlvSmdHVTBKcnlmalAzaW4w?oc=5) · The Herald-Mail
- 2018-11-28 [Millennium Financial Group Acquired by Bank Holding Company - National Mortgage Professional](https://news.google.com/rss/articles/CBMirAFBVV95cUxNajR0RHYwYVBLNzMxeXI0UzNScV9lWVg0MTN3RWtLRlhJNDZjczhXV0ZpYnFPU2p1N1lhTEJjdHJlZ05TUERvOTNsbG1hWG9ZYnhaaHNUM0s3NFJ4ZHo4akZ2a1FwbXg5c01acTBhNUowM2JOeFdKYW4zLURyYmktRzRGeklZaTQtWEJkakktV2U5Q2VJT3VaVHl5aWZzSmV3RFdNTnZxNWZma1Vs?oc=5) · National Mortgage Professional
- 2025-06-19 [UPDATE: Police arrest man for February robbery of Middletown Valley Bank in Waynesboro - Tri-State Alert](https://news.google.com/rss/articles/CBMitgFBVV95cUxQMGtFSVl3aDQwZExnV1l3WXNIU3ZZSTRreHBhMjZMSDFzbzcteUROa0NqSU9xVG1OMnMtREF3VGp2VTI5ZlkwZThscXBJWENiaWx5YXRJZmhIR3ZUbDhVZ3NDSVZ5ZEdkbEJUNmkzVkllM1FGMjRCc3gtZllIQU5MVlloMzYyUjZzdUt6S2RGaS00YVFpWkpITjNoV0xSNWVWUTlvVEhDRUJXd18xd3VPUDhzNjhwdw?oc=5) · Tri-State Alert
- 2025-06-19 [Maryland man in custody following Franklin County bank robbery back in February - WGAL](https://news.google.com/rss/articles/CBMimwFBVV95cUxOTndWa0FWZHFPbkREV2JyZURiWHg3ZjhjUmVtRDVCdFdHbmtucWNKbHdzTC03QkV5Ui11TUdET1pQb1M4ajFWRkhxSjFYWnA5eXhYb2h2MGhEWnp6bVVxOGpyVzI4SG9XZUhaVDN6SmNmWGh5dnU2eS1JalpfSmUyYklSNVVQOG9MZnBtZVVnU09CaVpGWS0zeS1FSQ?oc=5) · WGAL
- 2025-12-15 [Community Heritage Financial Announces Executive Leadership Transition - citybiz](https://news.google.com/rss/articles/CBMirgFBVV95cUxONFI0b29jalVnVlhHQjdsVW42RVB2YTA5eWNiam94ZEVzOTJaNEhFM0tDQnZQeFA4eW9yNk9jZTRLUUpnSDdoTTFpUWJYVjE3SG85SUlRaWpTbnNTc1dwcThkb1Y4ajN1czl2a1lHSEhyZlU5M0ZoSjJlWThteWV1bjdmVlVMSzg5VFlFOWlZbldnTGpSa1BVN1ZPeWFUOHlOUmltbk9Xc3J0eWE2Nnc?oc=5) · citybiz
- 2025-04-10 [Michael Hale Sisson Obituary Nov 26, 2012 - Keeney and Basford Funeral Homes](https://news.google.com/rss/articles/CBMiXEFVX3lxTFA0Y09faXZ1V0NhclJxYmE3YzlpdWRydFlSLW5PRjUzOTc0ODV2U3ZSU0FHYmh6OHFvZlZqLWVWaUVPVVNjcmtReW5UNno2VkpXZWhQV2g2NmstVjB0?oc=5) · Keeney and Basford Funeral Homes
- 2018-05-31 [Middletown Valley Bank [Md] (MNVB) Stock Price and News - The Globe and Mail](https://news.google.com/rss/articles/CBMib0FVX3lxTE1BWkt2dTJKNGZWdHJQTFFmdnZCZmtLQXpWSUtCZjgxTUVDSGFLWXd2YnVWN1VTdU1ZRnZtNEN1N2FHaFFnam1GSUc2UGtoNkkycE81eWRWVUI0MkVka1dWaUpMZUVxOTJzaElQQ1FkWQ?oc=5) · The Globe and Mail

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14017 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "14017", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide