# MOUNTAIN VALLEY BANK N A
ELKINS, WV · FDIC certificate 6786 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $201.9M | |
| Deposits | $175.1M | |
| Loans and leases | $129.1M | |
| Total equity | $26.0M | |
| Loans / deposits | 72.89% (p49 of band) | 73.59% |
| Liquid assets / assets | 34.37% (p54 of band) | |
| Uninsured deposits / deposits | 11.56% (p19 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.65% (p68 of band) | 11.76% |
| Unrealized securities loss / equity | -8.40% (p44 of band) | -6.57% |
| AOCI / equity | -0.44% (p47 of band) | |
| ROA (annualized) | 1.40% (p63 of band) | 1.17% |
| Net interest margin | 4.43% (p74 of band) | 3.93% |
| Efficiency ratio | 61.82% (p40 of band) | |
| Noncurrent loans | 0.19% (p40 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p67 of band) | |
| Reserve coverage of noncurrent | 619.59% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 14.74% (p46 of band) | |
| Auto loans | $1.4M (1.12% of loans; DQ 0.69%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 4 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 0 |  | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2016-09 | 1 |  | uninsured deposits leaving |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | uninsured deposits leaving |  |

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

- 2025-12-29 [Mountain Valley Bank announces new team members - - The Intermountain](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNNEZoMlRTZWtVUTJ2a0ZlY29iclZGczJYMzVvR1o4Zmt6RXE1LTZCS1pGRjRyQXVLVzVhOWdkd0dobFI3RFhFNWhCSFpLcnJPVGFCQmVGVzdkR2M0RUJaODN2eWE0V2l1cnpKVmpQaWdlckFaM3hQaFhtTDVGbThmUDdOUGp1a1FIam4yUjJPTzN0bDg5c3hGUENpQ3VBMkhRNmF4eHNHZ2o1dw?oc=5) · The Intermountain
- 2025-09-17 [Mountain Valley Bank announces promotions - - The Intermountain](https://news.google.com/rss/articles/CBMipAFBVV95cUxQRm9aQnJwZ0hkVVRWWTVxNGxMaDBYeGQtYjlzNHNBY1lwRUJTMV9uOVJZVTJjSXExMXY3X0NDNnB3aGM2OTJUT3A2blMzVkVwZGxKQlAyODNULVltWXZmQV9sYWZHMVlTNzUyS1VWbzBQaW1HbTJNMGFUdjF2MjY1bU1ZSzVleHBITDNRNXYxemRldWwzc21qekNQb00xNU4wVXFadw?oc=5) · The Intermountain
- 2020-02-25 [Long Promoted at Mountain Valley Bank, N.A. - Parsons Advocate](https://news.google.com/rss/articles/CBMilwFBVV95cUxPaEM4RWpIdW9mNDNmUFVmVllZYWhoa2t2ZmtsUS1KZTRoenJDTTFYU25zYWxPQV9TT0VGdUpCbGI1MzhPekF5UkxJQWFRVm00cUxONEhwYXEydll6b3R5d0NOUmdfQjE2VUFwY01CenlDY21iR2lwVlJfZFJOSWkySVd6cmhlUEYyYmJocTBSdUV4dzdmTFBB?oc=5) · Parsons Advocate
- 2025-11-26 [Randolph County Courthouse News: November 19 through November 25 - therealwv.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOaHhxdnYxRjRLQk5oM253R0RIQUZvTGtZc2xmZmlsUUdXdHNlU1BkcjZNS3RUNkROcFBBNmhhUkllQWVaTGM1NEFiLTN5ZFJYNC1jT3hCVkMtdFRJMzVXNWlmZE13UTlSbUFpU3pMQk8wRENGNzF3TGkxZ1hlcG5MTnZ5Ql91MDFPUmtiODV5TXBPQUxqTl82X283ODFwUQ?oc=5) · therealwv.com
- 2024-07-10 [Phillips joins Mountain Valley Bank - - The Intermountain](https://news.google.com/rss/articles/CBMimgFBVV95cUxPejVkT0NQZERVd0J1cGw4SzQtUzRQVXZWNWtyNmpGZDFKUmQ4Uk0wQmp2WnlsT0k5Wk5TWDFwZFIzWjZvRUVQWUc4V2Z3Qi0waXVzUWN4RVI5aXp2a0JzSjNOSmVYSFVwcnhQZDVCZjhwTXc0Q3UtZVFQaV95ZzN3Xzc4ZmdsZHRZWE5jNFNkMVJCOGd4a0tCVl93?oc=5) · The Intermountain
- 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
- 2026-08-29 [Randolph County Courthouse News: Aug. 22–28, 2026 - therealwv.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNMDEtRHFzQ2VxeTUydV8yZW9jQWFhWVlLbTFHbjFEamJxb1BwLXRaM0dUakRYTER5M0JZUUtVaEtnSVZRbnhaUWRZWmFIQ0NycVhIOEROYjd4eGg5a3JhTVREX1c3Y19Md3V2M3Bsc1ozVERGb0ZfWjhhcmRteENCbmZ3OUJUSmc?oc=5) · therealwv.com
- 2023-01-14 [Weese named new president, CEO of Mountain Valley Bank - - The Intermountain](https://news.google.com/rss/articles/CBMisAFBVV95cUxOd3lNV1YxaTkxZ0ZJbWRFNWVRbW1vbWR4cDJwODQ1MmJYV0swM1dldnBOejJLNTBEalJiTEtNTGxwaUFPVkdTWGFNRDFkTUdxSHFfRDJvaTQyN2pGRGtucFh2TG5nOGdhemctQlhoV3duX0VPbkxBdzY4RlZXTUNHUVZDYVpzRUZ0MFozQ2Zqckk3NDJBbTJDVXpSTExVdVRtQlM3bVl5b1hfUFdDVFNkUw?oc=5) · The Intermountain

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6786 (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/2.json (key "6786", 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