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Mountain Valley Bank

IDRSSD: 714437
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q4QoQ -6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #714437 2025-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.3% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ -6 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -33

The five pillars

Liquidity

StableQoQ +8
66
Sub-score

Liquidity is stable: brokered 18.8%, loans/deposits 100.3%, cash 7.2% of assets.

Cash / Assets
7.17%
Loans / Deposits
100.29%
Brokered %
18.81%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +7
96
Sub-score

Capital position is strong: Tier 1 RBC 14.38%, CET1 14.38%, leverage 9.60%.

Tier 1 RBC
14.38%
CET1
14.38%
Leverage
9.60%
No watch items at this period.

Asset Quality

StableQoQ -18
78
Sub-score

Asset quality is stable: Adjusted NPL 1.29%, Texas Ratio 9.9%, NCO YTD 0.06%.

Adjusted NPL
1.29%
Govt-guarantees stripped
Texas Ratio
9.9%
NCO YTD
0.06%
30-89 PD
1.66%
Band 0.3% / 3.0%
90+ PD
0.84%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -33
31
Sub-score

Reserves are weak: ALLL 0.85% of loans, coverage 66.8%, true coverage 61.8%.

ALLL / Loans
0.85%
Coverage
66.8%
True Loss Coverage
61.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 16:37:57 UTC