Mountain Valley Bank, N.A.
Elkins, WV
IDRSSD: 1011432
Total Assets
$199.36M
Latest filing
Total Deposits
$173.73M
Latest filing
Net Interest Margin
4.48%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Mountain Valley Bank, N.A.
317 Davis Ave
Elkins, WV 26241
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1909FDIC Certificate 4560
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Mountain Valley Bank, N.A. (Main) | 317 Davis Ave | Elkins, WV |
| PARSONS BRANCH | 401 First St | Parsons, WV |
| MILL CREEK BRANCH | 9896 Seneca Trail | Mill Creek, WV |
| ELKINS BRANCH | 1955 Beverly Pike | Elkins, WV |
Showing 3 of 3
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 26241 |
| State and County Number | 54083 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Elkins, WV |
Operational Info
| Number of Employees | 40 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.mountainvalleybank.com |
| Data Updated | 11/14/2025 |
| CERT | 6786 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $199.36M |
| Total Deposits | $173.73M |
| Total Liabilities | $174.56M |
| Total Equity Capital | $24.80M |
| Net Income | $757.00k |
| Net Loans and Leases | $121.12M |
| Assets Per Employee ($Millions) | $4.98M |
| Bank Premises and Fixed Assets | $1.50M |
| Cash and Balances due from Depository Institutions | $19.70M |
| Deposits Held in Domestic Offices | $173.73M |
Key Performance Ratios
| Return on Assets (ROA) | 1.52% |
| Return on Equity (ROE) | 12.54% |
| Net Interest Margin | 4.48% |
| Efficiency Ratio | 59.19% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.442% |
| Earning Assets to total Assets | 96.74% |
Income and Expense
| Total Interest Income | $2.62M |
| Total Noninterest Income | $225.00k |
| Total Interest Expense | $461.00k |
| Total Noninterest Expense | $1.41M |
| Net Interest Income | $2.16M |
| Pre-tax Net Operating Income | $972.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $829.00k |
| Total Liabilities and Capital | $199.36M |
Securities
| Securities | $54.22M |
| Available-for-sale debt securities | $54.22M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Mountain Valley Bank, N.A.?
$199.36M as of the latest filing.
How much are Mountain Valley Bank, N.A.'s total deposits?
$173.73M in total deposits.
Where is Mountain Valley Bank, N.A. located?
Elkins, WV.
What is the Net Interest Margin?
4.48%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1909.
What is the Return on Assets (ROA)?
1.52%.
How much are total loans and leases?
$121.12M (latest filing).
What is the total interest income (latest filing)?
$2.62M.