Middletown Valley Bank
Middletown, MD
IDRSSD: 41825
Total Assets
$1.13B
Latest filing
Total Deposits
$985.20M
Latest filing
Net Interest Margin
3.69%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
055001258MIDDLETOWN, MD
Key People
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Locations
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Main Office
Middletown Valley Bank
803 E Main St
Middletown, MD 21769
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/04/1908FDIC Certificate 8761
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Middletown Valley Bank (Main) | 803 E Main St | Middletown, MD |
| JEFFERSON BRANCH | 3848 Jefferson Pike | Jefferson, MD |
| MYERSVILLE BRANCH | 3001 Ventrie Ct | Myersville, MD |
| BOONSBORO BRANCH | 6721 Old National Pike | Boonsboro, MD |
| EASTERN BOULEVARD | 180 Eastern Blvd N | Hagerstown, MD |
| PARAMOUNT BRANCH | 13418 Marsh Pike | Hagerstown, MD |
| WAYNESBORO BRANCH OFFICE | 11337 Buchanan Trl E | Waynesboro, PA |
| NORTH MARKET BRANCH | 9 North Market Street | Frederick, MD |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| 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 | 179 |
| 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 | 01/30/2026 |
| CERT | 14017 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.13B |
| Total Deposits | $985.20M |
| Total Liabilities | $1.03B |
| Total Equity Capital | $101.25M |
| Net Income | $2.61M |
| Net Loans and Leases | $924.95M |
| Assets Per Employee ($Millions) | $6.31M |
| Bank Premises and Fixed Assets | $11.44M |
| Cash and Balances due from Depository Institutions | $30.71M |
| Deposits Held in Domestic Offices | $985.20M |
Key Performance Ratios
| Return on Assets (ROA) | 0.94% |
| Return on Equity (ROE) | 10.43% |
| Net Interest Margin | 3.69% |
| Efficiency Ratio | 67.08% |
| Tier 1 Risk-Based Capital Ratio | 11.957% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.97% |
| Earning Assets to total Assets | 96.49% |
Income and Expense
| Total Interest Income | $14.78M |
| Total Noninterest Income | $1.08M |
| Total Interest Expense | $4.87M |
| Total Noninterest Expense | $7.37M |
| Net Interest Income | $9.90M |
| Pre-tax Net Operating Income | $3.49M |
| Provision for Credit Losses | $125.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $33.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.29M |
| Total Liabilities and Capital | $1.13B |
Securities
| Securities | $140.16M |
| Available-for-sale debt securities | $53.68M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $86.55M |
| Subordinated Debt | $0 |
| Trading Account Assets | $118.00k |
| Trading Liabilities | $70.00k |
Frequently Asked Questions
What are the total assets of Middletown Valley Bank?
$1.13B as of the latest filing.
How much are Middletown Valley Bank's total deposits?
$985.20M in total deposits.
Where is Middletown Valley Bank located?
Middletown, MD.
What is the Net Interest Margin?
3.69%.
How many domestic offices does it operate?
8.
When was it established?
01/04/1908.
What is the Return on Assets (ROA)?
0.94%.
How much are total loans and leases?
$924.95M (latest filing).
What is the total interest income (latest filing)?
$14.78M.