# MOUNTAIN VALLEY BANK
WALDEN, CO · FDIC certificate 17411 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $556.5M | |
| Deposits | $445.4M | |
| Loans and leases | $410.3M | |
| Total equity | $59.0M | |
| Loans / deposits | 91.07% (p73 of band) | 82.04% |
| Liquid assets / assets | 21.61% (p38 of band) | |
| Uninsured deposits / deposits | 28.13% (p59 of band) | 25.97% |
| Brokered deposits | 2.53% | |
| Wholesale funding | 11.06% (p80 of band) | |
| FHLB advances / assets | 8.53% | |
| Tier 1 leverage | 10.50% (p45 of band) | 10.81% |
| Unrealized securities loss / equity | -7.71% (p51 of band) | -8.10% |
| AOCI / equity | -0.03% (p72 of band) | |
| ROA (annualized) | 0.91% (p27 of band) | 1.28% |
| Net interest margin | 3.80% (p43 of band) | 3.91% |
| Efficiency ratio | 67.41% (p67 of band) | |
| Noncurrent loans | 0.19% (p33 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p78 of band) | |
| Reserve coverage of noncurrent | 585.25% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 51.56% (p57 of band) | |
| Auto loans | $2.4M (0.57% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $4.0M (7% of equity) (p95 of band) | |
| Deposits YoY | -0.7% | |
| Employees | 64 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 | capital falling | noncurrent p90 |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 5 | losing money, expense ratio p90, NIM <2.5%, reserve under noncurrent |  |
| 2014-09 | 2 |  | capital falling, losing money, expense ratio p90 |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | NIM <2.5% |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | charge-offs p90 |  |
| 2015-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent, charge-offs p90 |
| 2016-03 | 4 | reserve under noncurrent |  |
| 2016-06 | 2 |  | deposits shrinking, assets shrinking |
| 2016-09 | 1 |  | uninsured deposits leaving |
| 2016-12 | 1 | capital falling | reserve under noncurrent |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 3 | expense ratio p90, deposits shrinking |  |
| 2023-03 | 1 |  | securities losses >30% of equity, expense ratio p90 |
| 2023-06 | 5 | wholesale funding >15%, capital falling, securities losses >30% of equity, uninsured deposits leaving |  |
| 2023-09 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 1 |  | capital falling, securities losses >30% of equity |
| 2024-03 | 3 | expense ratio p90, uninsured deposits leaving |  |
| 2024-06 | 1 |  | expense ratio p90, uninsured deposits leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 0 |  | wholesale funding >15%, capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-03-07 [Platte Valley Companies announces key leadership promotions in Nebraska - Rural Radio Network](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQUnhJenowcVE5UGo4V19KTnpOc3JNZmkzR1lwdzdPZTZJeWc0ZElXeFluNU9JNjJTTVpUd1FOS3dCblZIODlaUEIxZU9Edjc2dUJCaHVmc24wQVdvTm94Z3NwRjYwZzZOakg1XzkwVG43dl9GMnE3M1BRQ2ZUMUd5MDBZLWR6S0xNcTMtSFJ6ZlZqendtZHp2aFV4YVYyZHFXSXZmcmdsZGI?oc=5) · Rural Radio Network
- 2026-03-11 [Murphy promoted to President of Platte Valley Bank - Platte County Record-Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxOVG96Sk13VEFzQ1dfUFB6dWFvd3l0VEljWS13T1BnTVczQlZWSW81WWpNN1lhbnAwRFJzNC02TTRnclJXQjUyZHRVdTRrNzlwV0RCWHprN0JSZDJvRlB5MF9JZkstQlctc2xmeXNHS3BQRlppRFFOOWZtTWtabmYtMExjWnp0V2lBNzBHS2lfb0E2cG5odHplMjZOZw?oc=5) · Platte County Record-Times
- 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
- 2018-12-15 [Mountain Valley Bank in process of acquiring Citywide Bank branch in Steamboat Springs - Steamboat Pilot](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPZVo1Z01nZ0NLeWRyYmdwMk5lczlMeUlMV3prVUdXQUdOSlRwX2NjLU9vLTFrU2k5X1NFZWVSTUp6NEVQMDh5eEcwUFdWeklnZF9lbGhtZ2RvNGVSVjlXTzBuRnJfZ3ozUnI3TVpxUWtvRXBIa1Vyb0hTSUx3ZzhKNFlKRHVaUVJsVFY4Q0J1R1VYN3VWV1NyMmJOOFJCWnVoeGdmck5hNWpIQQ?oc=5) · Steamboat Pilot
- 2025-12-29 [Mountain Valley Bank announces new team members - - The Intermountain](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNNEZoMlRTZWtVUTJ2a0ZlY29iclZGczJYMzVvR1o4Zmt6RXE1LTZCS1pGRjRyQXVLVzVhOWdkd0dobFI3RFhFNWhCSFpLcnJPVGFCQmVGVzdkR2M0RUJaODN2eWE0V2l1cnpKVmpQaWdlckFaM3hQaFhtTDVGbThmUDdOUGp1a1FIam4yUjJPTzN0bDg5c3hGUENpQ3VBMkhRNmF4eHNHZ2o1dw?oc=5) · The Intermountain
- 2022-01-11 [Cache Bank sale to Mountain Valley Bank complete - Greeley Tribune](https://news.google.com/rss/articles/CBMilgFBVV95cUxPVTdMODNaRzZfd0d1RGZqYXY5am92Yl9YRTMzN0d5eFdhY3cxRDVpcngyRHBzck9wNUtSbkZJTlBuLS1pZFVhWHY1THpiUVdaR0FhdERrNV9DUDNySlIxQXFOVVhsYXhJYVl5SUlqRDhoUk83SFJsUkNjYlNpUmM2N2xkSWEtUGlVUEYwLWY5TzBLdDZaYlE?oc=5) · Greeley Tribune
- 2022-04-06 [Mountain Valley Bank begins annual penny drive for HopeWest, MEF - theheraldtimes.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxOU3YzMTVKSFBCSnFsRlVBM0Y1SUswaWl3amxoeEQtYzg0NWNrZDVpM0NtZmdRVDlNM0l3OG1CMkJEc0FKY3pzM09iOW1OQ01qRklzVWRUanJMeXRza21CcHItcUFnZE5RN1JnazhWWkN4X3VGZ2hOZU04a2kzMjFsYmpOcmU4SzZfZTU5TlBZNEZWbkxHNVRyWlJEOUFUODFpVEQ0UQ?oc=5) · theheraldtimes.com
- 2020-02-25 [Long Promoted at Mountain Valley Bank, N.A. - Parsons Advocate](https://news.google.com/rss/articles/CBMilwFBVV95cUxPaEM4RWpIdW9mNDNmUFVmVllZYWhoa2t2ZmtsUS1KZTRoenJDTTFYU25zYWxPQV9TT0VGdUpCbGI1MzhPekF5UkxJQWFRVm00cUxONEhwYXEydll6b3R5d0NOUmdfQjE2VUFwY01CenlDY21iR2lwVlJfZFJOSWkySVd6cmhlUEYyYmJocTBSdUV4dzdmTFBB?oc=5) · Parsons Advocate

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17411 (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/3.json (key "17411", 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