Mountain Valley Bank
Dunlap, TN
IDRSSD: 714437
Total Assets
$259.64M
Latest filing
Total Deposits
$204.24M
Latest filing
Net Interest Margin
4.01%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
064103697DUNLAP, TN
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Mountain Valley Bank
17114 Rankin Ave
Dunlap, TN 37327
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1905FDIC Certificate 1124
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Mountain Valley Bank (Main) | 17114 Rankin Ave | Dunlap, TN |
| DUNLAP BRANCH - DRIVE THRU | Highway 28 South At Cordell Lane | Dunlap, TN |
| MONTEAGLE BRANCH | 25 Dixie Lee Ave | Monteagle, TN |
| MOUNTAIN VALLEY BANK LOAN PRODUCTION OFFICE | 4785 Main St | Jasper, TN |
| JASPER LPO | 3365 Main St | Jasper, TN |
| JASPER BRANCH | 3325 Main St | Jasper, TN |
| OOLTEWAH BRANCH | 5942 Reagan Ln | Ooltewah, TN |
Showing 6 of 6
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 | 01/01/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37327 |
| State and County Number | 47153 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Chattanooga, TN-GA |
Operational Info
| Number of Employees | 61 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.mtnvalleybankonline.com |
| Data Updated | 01/30/2026 |
| CERT | 1705 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $259.64M |
| Total Deposits | $204.24M |
| Total Liabilities | $235.03M |
| Total Equity Capital | $24.61M |
| Net Income | $560.00k |
| Net Loans and Leases | $204.83M |
| Assets Per Employee ($Millions) | $4.26M |
| Bank Premises and Fixed Assets | $5.64M |
| Cash and Balances due from Depository Institutions | $18.63M |
| Deposits Held in Domestic Offices | $204.24M |
Key Performance Ratios
| Return on Assets (ROA) | 0.86% |
| Return on Equity (ROE) | 9.22% |
| Net Interest Margin | 4.01% |
| Efficiency Ratio | 77.18% |
| Tier 1 Risk-Based Capital Ratio | 14.384% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.478% |
| Earning Assets to total Assets | 94.98% |
Income and Expense
| Total Interest Income | $3.91M |
| Total Noninterest Income | $367.00k |
| Total Interest Expense | $1.44M |
| Total Noninterest Expense | $2.19M |
| Net Interest Income | $2.47M |
| Pre-tax Net Operating Income | $573.00k |
| Provision for Credit Losses | $75.00k |
| 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 | $30.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $792.00k |
| Total Liabilities and Capital | $259.64M |
Securities
| Securities | $25.12M |
| Available-for-sale debt securities | $25.12M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$259.64M as of the latest filing.
How much are Mountain Valley Bank's total deposits?
$204.24M in total deposits.
Where is Mountain Valley Bank located?
Dunlap, TN.
What is the Net Interest Margin?
4.01%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1905.
What is the Return on Assets (ROA)?
0.86%.
How much are total loans and leases?
$204.83M (latest filing).
What is the total interest income (latest filing)?
$3.91M.