Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	01/04/1908
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	21769
State and County Number	24021
Subchapter S Corporations	No
Trust Powers	N/A
Federal Reserve ID Number	05
Numeric code	21
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	New York
Core Based Statistical Area Name	Washington-Arlington-Alexandria, DC-VA-MD-WV

Operational Info

Number of Employees	172
Domestic Offices	8
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	11/01/2023
Date of Deposit Insurance	03/08/1934
Primary Insurance Agency	DIF
Website	www.mvbbank.com
Data Updated	11/14/2025
CERT	14017
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$1.09B
Total Deposits	$982.89M
Total Liabilities	$993.78M
Total Equity Capital	$98.68M
Net Income	$2.19M
Net Loans and Leases	$893.93M
Assets Per Employee ($Millions)	$6.1M
Bank Premises and Fixed Assets	$8.03M
Cash and Balances due from Depository Institutions	$28.51M
Deposits Held in Domestic Offices	$982.89M

Return on Assets (ROA)	0.8%
Return on Equity (ROE)	9%
Net Interest Margin	3.57%
Efficiency Ratio	63.27%
Tier 1 Risk-Based Capital Ratio	12.15%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.35%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	9.033%
Earning Assets to total Assets	97.01%

Total Interest Income	$14.54M
Total Noninterest Income	$1.05M
Total Interest Expense	$5.11M
Total Noninterest Expense	$6.64M
Net Interest Income	$9.44M
Pre-tax Net Operating Income	$2.89M
Provision for Credit Losses	$960.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$5.00M
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$5.81M
Total Liabilities and Capital	$1.09B

Securities	$141.96M
Available-for-sale debt securities	$54.39M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$87.64M
Subordinated Debt	$0
Trading Account Assets	$141.00k
Trading Liabilities	$87.00k

What are the total assets of Middletown Valley Bank?

$1.09B as of the latest filing.

How much are Middletown Valley Bank's total deposits?

$982.89M in total deposits.

Where is Middletown Valley Bank located?

Middletown, MD.

What is the Net Interest Margin?

3.57%.

How many domestic offices does it operate?

When was it established?

01/04/1908.

What is the Return on Assets (ROA)?

0.8%.

How much are total loans and leases?

$893.93M (latest filing).

What is the total interest income (latest filing)?

$14.54M.