BlastPoint's Banking Scorecard
Middletown Valley Bank
Community
Specialty: Commercial
MD
FDIC cert 14017
Middletown, MD
1484
banks in Community tier nationally
13 in MD
View Community leaderboard (MD) →
Middletown Valley Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16% in Community
- - Credit Risk Growth: Bottom 40% in Community
- - Liquidity Strain: Bottom 49% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+10.6% YoY
+3.3% QoQ
|
-$262.6M |
$1.4B
+2.0% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$924.9M
+9.5% YoY
+3.5% QoQ
|
-$50.5M |
$975.5M
+2.4% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$985.2M
+8.4% YoY
+0.2% QoQ
|
-$179.4M |
$1.2B
+1.7% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
0.90%
+21.5% YoY
+1.5% QoQ
|
-0.27% |
1.16%
+17.2% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
3.56%
+13.7% YoY
+1.2% QoQ
|
-0.11% |
3.66%
+9.1% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
65.07%
-5.0% YoY
+1.1% QoQ
|
+2.44% |
62.63%
-5.3% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.22%
+21.1% YoY
-4.3% QoQ
|
-0.41% |
0.63%
+18.3% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
93.88%
+1.0% YoY
+3.2% QoQ
|
+10.82% |
83.06%
+0.3% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
27.08%
-5.1% YoY
+0.8% QoQ
|
+6.04% |
21.05%
-0.9% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.18%
+19.9% YoY
-4.1% QoQ
|
-0.32% |
0.50%
+20.3% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
11.96%
-1.3% YoY
-1.6% QoQ
|
+1.71% |
10.24%
-0.6% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.36%
-10.1% YoY
+32.6% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Quality Pressure
risk
#132 of 808 · Bottom 16% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.22%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#258 of 642 · Bottom 40% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#253 of 513 · Bottom 49% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.88%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.08% · Tier avg: 21.05%
75
75th pctile
Loan-to-Deposit Ratio
Current: 93.88% · Tier avg: 83.06%
68
68th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.63%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
65
65th pctile
Total Loans
Current: $924.9M · Tier avg: $975.5M
58
58th pctile
Total Deposits
Current: $985.2M · Tier avg: $1.2B
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
47
47th pctile
Tier 1 Capital Ratio
Current: 11.96% · Tier avg: 10.24%
44
44th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
41
41th pctile
Efficiency Ratio
Current: 65.07% · Tier avg: 62.63%
31
31th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.16%
30
30th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
Top Weaknesses
30
30th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
31
31th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.16%
41
41th pctile
Efficiency Ratio
Current: 65.07% · Tier avg: 62.63%
44
44th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
47
47th pctile
Tier 1 Capital Ratio
Current: 11.96% · Tier avg: 10.24%
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
58
58th pctile
Total Deposits
Current: $985.2M · Tier avg: $1.2B
65
65th pctile
Total Loans
Current: $924.9M · Tier avg: $975.5M
68
68th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
68
68th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.63%
75
75th pctile
Loan-to-Deposit Ratio
Current: 93.88% · Tier avg: 83.06%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.08% · Tier avg: 21.05%