# MOUNTAIN VALLEY BANK
DUNLAP, TN · FDIC certificate 1705 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $254.6M | |
| Deposits | $198.9M | |
| Loans and leases | $201.6M | |
| Total equity | $25.1M | |
| Loans / deposits | 100.66% (p92 of band) | 73.59% |
| Liquid assets / assets | 16.17% (p14 of band) | |
| Uninsured deposits / deposits | 13.45% (p26 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.78% (p87 of band) | |
| FHLB advances / assets | 11.78% | |
| Tier 1 leverage | 10.02% (p25 of band) | 11.76% |
| Unrealized securities loss / equity | -1.98% (p70 of band) | -6.57% |
| AOCI / equity | -0.14% (p62 of band) | |
| ROA (annualized) | 0.51% (p18 of band) | 1.17% |
| Net interest margin | 3.99% (p53 of band) | 3.93% |
| Efficiency ratio | 83.83% (p84 of band) | |
| Noncurrent loans | 0.54% (p57 of band) | 0.36% |
| Net charge-offs (annualized) | 0.33% (p95 of band) | |
| Reserve coverage of noncurrent | 129.69% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 101.43% (p94 of band) | |
| Auto loans | $1.0M (0.51% of loans; DQ 3.90%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.8% | |
| Employees | 61 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | noncurrent p90 |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | noncurrent p90 |  |
| 2012-12 | 2 |  | capital falling |
| 2013-03 | 3 | charge-offs p90 |  |
| 2013-06 | 5 | losing money, deposits shrinking, assets shrinking | noncurrent p90 |
| 2013-09 | 4 |  | losing money |
| 2013-12 | 6 | losing money, noncurrent p90 |  |
| 2014-03 | 2 |  | charge-offs p90, deposits shrinking, assets shrinking, losing money |
| 2014-06 | 3 | charge-offs p90 |  |
| 2014-09 | 4 | uninsured deposits leaving |  |
| 2014-12 | 3 |  | uninsured deposits leaving |
| 2015-03 | 2 |  | noncurrent p90 |
| 2015-06 | 3 | noncurrent p90 |  |
| 2015-09 | 2 |  | noncurrent p90 |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | capital falling, construction >100% equity |  |
| 2018-03 | 3 | charge-offs p90 | capital falling |
| 2018-06 | 2 |  | charge-offs p90 |
| 2018-09 | 3 | capital falling, charge-offs p90 | construction >100% equity |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 | construction >100% equity | capital falling |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 1 |  | reserve under noncurrent, construction >100% equity |
| 2020-09 | 2 | construction >100% equity |  |
| 2020-12 | 1 |  | construction >100% equity |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 3 | reserve under noncurrent, construction >100% equity |  |
| 2021-12 | 1 |  | reserve under noncurrent, construction >100% equity |
| 2022-03 | 2 | charge-offs p90, reserve under noncurrent | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | expense ratio p90 |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | wholesale funding >15%, construction >100% equity | reserve under noncurrent, expense ratio p90 |
| 2023-06 | 7 | loans exceed deposits, capital falling, expense ratio p90, uninsured deposits leaving |  |
| 2023-09 | 5 |  | expense ratio p90, uninsured deposits leaving |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 4 |  | charge-offs p90 |
| 2024-09 | 3 |  | loans exceed deposits |
| 2024-12 | 3 | loans exceed deposits | wholesale funding >15% |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 1 |  | loans exceed deposits |
| 2025-09 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2025-12 | 4 | reserve under noncurrent | construction >100% equity |
| 2026-03 | 2 | charge-offs p90 | brokered >10%, wholesale funding >15%, reserve under noncurrent |
| 2026-06 | 3 | construction >100% equity |  |

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

- 2023-07-08 [Mountain Valley Bank expands into Hamilton County - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUUZ3YThOTVd3X3FLbGhhYXI1M3VKRGhkdDJIRnB1MUR6cXRZY1MtQm1SV203N2c0OHVpZjlSbWZEZ3JZUmpYXzdhbG9RZGF0VzZDeVNjSXFXTjFMUy0tYUdKN0RQdW9iNFM5T3NaZ05qbGVDcGR1OEw5MVZWRlU5SlExODVPdXdN?oc=5) · Chattanooga Times Free Press
- 2024-03-19 [Fraud Alert from Mountain Valley Bank - Sequatchie Valley Now](https://news.google.com/rss/articles/CBMifEFVX3lxTE56Y280a2xRY1psN1cyaVlVVW9vY0hkSmY0VkRHQXpwTFY0d3BzUUU2dll6NENleElyOFR5REEyY25vSGhyb0dUbkxoTjNxcGJ5dmlnR1p5OXB1MWlxN0wwQ0NvMGRfaVVsWjNNdHdZQjJXTnRKTDlOWmxWY2jSAYIBQVVfeXFMTkpDeHR0UkhLSUxaa0pMRzNlcnpuX2pVLV9ma1VjWDgzTm5uYU91NVBsc1FxVl9ib0YyTHQ2UFNISmlweDlSeHVzNWhpYXIwc194bU80ZTlkbkZXbFJRbmo5THNBU1A4WFpZblFDWWJYSk9aMWdzanJkakVYNThsdTVTZw?oc=5) · Sequatchie Valley Now
- 2023-07-06 [Mountain Valley Bank expands - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPTFRQalFZbHZacnh3bS1CZ1pKRkNMX0R5SEc3MWlpZmFpWVNOMW4wNE1XVEhKbE8yQ3J4b2dzSVVrTnJGamZzdDFMZkp1M0RHT2UzNEVxOGdBYlVOdXNDSkJUQkFWWTRhWGsxTF8zeUxZOWF1bXZDNjVKbDh5V1V5MUlqSjkxLWRo?oc=5) · Chattanooga Times Free Press
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2023-08-07 [Monteagle Bank Robbed on Monday - Sequatchie Valley Now](https://news.google.com/rss/articles/CBMidEFVX3lxTE91a3BPcGY0TWlka2pOQmFSaDRhYlVrdnU3V181NElVdXRyRl9mMmVKV213QTdHbjZqeGw5TUtyS0J1NllyVnEyU25PbHR2THdDTHNZeVNtUzN0XzFVeDl0Zi1mcmhXRFVsckhzMnU4Ml9nZVhT0gF6QVVfeXFMTktubDdVY3huWlB2eGtkTTJsRF9lTGhfUkIxQmdPaFU3U2xuWXdJTm1QMXM3N2FoaTVXOS1kdlAwM2NLQ0FsZV95UU5pazJIQW9NOHdyRGVyT2UzMnlYT3E3LXFpOUpxQXBhS1Z0QUxiLUlWbUJkT25qb1E?oc=5) · Sequatchie Valley Now
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2023-12-04 [WesBanco Bank adds Chattanooga advisory board as it expands loan office - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMingFBVV95cUxNYVdkNVI0S2d5bkVqbmF3TGlrMXk4NTV4dEllcVdQNkRhd09mTkw4RmM2YjNtVERVVDdCc01id2NORnMzNE5jbWYtZWd4RFdBUlUyRmhkakxYYXdGUkJpU215MDhkYUNmYnpDM0dzdUxVaGF5emY5UDRfOGNEUk5xT0taOUpUem10dzhadjI0S2twYmxVRkw5OEVvV1Nqdw?oc=5) · Chattanooga Times Free Press
- 2024-03-20 [Emotional Support Animals are Now Banned from Tennessee Restaurants - Sequatchie Valley Now](https://news.google.com/rss/articles/CBMipAFBVV95cUxOUzRPTF9sVERqSXpCcE5CTmNzVUQ5SWp4M2dpRU5EeURwRG5WNFlHeFJGUHdyZ3hlVmJFWGxxTGo4OWxOSjJUbDVWMUV3cW9Bd2VSSGNfYUdydDNvVkFoSWtyajBVOVBiSGplZS00TVNEU0Ztb1MybjJoVG41VllYcmhrMUxuak9qWjRCWTVsV0VMbE4xM19YazAtQ1M3YWVCOHhXNtIBqgFBVV95cUxOTUV1eWFzeUJXNVlzd0h2Wm9weElHV2R5RHRCeHRwQWlUaC15SGJBcDlycHJMd09TcFpGdzdGYTBEaTJrNXgwOUM2Y3pPRGNXRUFKaXFhNE9uWVFXNUNYa0c3bks5ZTFxTjhzQVhLbDV2WVhYVnFQbzFMaDc3NWJkQ1hJQ1lTaGNWRFdxYWc5Y2ZLamN1OGRGdGc4ZE9FdmVzdTNCcml2UXVCUQ?oc=5) · Sequatchie Valley Now

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1705 (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/41.json (key "1705", 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.

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