$557M
+0.4%y/y
Percentile by value57th percentileby value
FDIC
ASSETMV
Mountain Valley Bank
Walden, ColoradoFDIC Cert #17411
STATEEstablished 19557 branches
Holding company: PLATTE VALLEY FINL SERVICE COMPANIESRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportMountain Valley Bank reported $557M in total assets. Deposits grew 2.48% over the prior year.
Return on assets was 0.97%, compared with an asset-peer median of 1.22%. The leverage ratio was 10.37%.
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
- Why is Return on Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$447M
+2.5%y/y
Percentile by value53rd percentileby value
FDIC
DEP$410M
+5.2%y/y
Percentile by value64th percentileby value
FDIC
LNLSNET0.97%
+21 bpsy/y
Peer standing34th percentile
FDIC
NETINC + ROA66.38%
+364 bpsy/y
Peer standing38th percentile
FDIC
NONIX + NIM + NONII + EEFFR10.37%
+81 bpsy/y
Peer standing45th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $328M | $296M |
| Q3 2021 | $350M | $318M |
| Q4 2021 | $501M | $451M |
| Q1 2022 | $497M | $448M |
| Q2 2022 | $479M | $431M |
| Q3 2022 | $471M | $422M |
| Q4 2022 | $482M | $425M |
| Q1 2023 | $511M | $423M |
| Q2 2023 | $503M | $394M |
| Q3 2023 | $536M | $410M |
| Q4 2023 | $544M | $421M |
| Q1 2024 | $544M | $412M |
| Q2 2024 | $529M | $406M |
| Q3 2024 | $548M | $422M |
| Q4 2024 | $572M | $435M |
| Q1 2025 | $555M | $437M |
| Q2 2025 | $556M | $448M |
| Q3 2025 | $559M | $450M |
| Q4 2025 | $562M | $453M |
| Q1 2026 | $557M | $447M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $57.1M |
| Investor CRE | $53.9M |
| Multifamily | $955K |
| Construction | $38.8M |
| 1–4 family | $113M |
| C&I | $52.6M |
| Agriculture | $83.9M |
| Other | $13.7M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.97%34th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE9.41%33rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.74%44th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR66.38%38th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+2.48%38th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+5.24%47th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.22%64th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ10.37%45th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.73%34th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.97%44th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.10%Median 1.01%90th 2.06%Observations 65
ROE
FDIC
NETINC + ROE9.41%47th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.79%Median 9.84%90th 20.95%Observations 65
NIM
FDIC
NIM + NIMY3.74%36th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.93%Median 3.95%90th 5.00%Observations 65
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR66.38%56th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.37%Median 69.37%90th 85.80%Observations 65
Deposits YoY
FDIC
DEP+2.48%39th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.68%Median +4.28%90th +14.78%Observations 65
Loans YoY
FDIC
LNLSNET+5.24%45th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.85%Median +6.37%90th +13.92%Observations 65
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.22%61st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.40%90th 1.35%Observations 65
Leverage
FDIC
RBC1AAJ10.37%38th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 11.08%90th 15.92%Observations 65
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.73%28th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.27%Median 2.41%90th 3.19%Observations 65
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 14%Median 174%90th 297%Observations 35
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.97%19th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.73%Median 1.28%90th 2.33%Observations 27
ROE
FDIC
NETINC + ROE9.41%27th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.44%Median 11.82%90th 21.18%Observations 27
NIM
FDIC
NIM + NIMY3.74%23rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.37%Median 4.30%90th 5.06%Observations 27
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR66.38%42nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.30%Median 65.02%90th 76.83%Observations 27
Deposits YoY
FDIC
DEP+2.48%31st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +0.05%Median +5.05%90th +21.38%Observations 27
Loans YoY
FDIC
LNLSNET+5.24%35th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.10%Median +7.94%90th +15.84%Observations 27
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.22%46th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.20%90th 1.18%Observations 27
Leverage
FDIC
RBC1AAJ10.37%42nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.08%Median 10.71%90th 15.22%Observations 27
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.73%19th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.25%Median 2.58%90th 3.04%Observations 27
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 56%Median 139%90th 253%Observations 16
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 7 branches
- Headquarters
- Walden, CO
FDIC
OFFDOMOpen the Colorado dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data