BlastPoint's Banking Scorecard
Mountain Valley Bank
Micro
Specialty: Commercial
TN
FDIC cert 1705
Designations: ✓ Community bank
Dunlap, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Mountain Valley Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 25.77% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$259.6M
+1.6% YoY
-0.2% QoQ
|
+$42.1M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$204.8M
+0.9% YoY
-3.9% QoQ
|
+$65.7M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$204.2M
+1.0% YoY
-0.4% QoQ
|
+$20.6M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
0.54%
+77.2% YoY
+24.2% QoQ
|
-0.54% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.75%
+4.5% YoY
+2.4% QoQ
|
-0.10% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
85.05%
-5.4% YoY
-3.4% QoQ
|
+17.33% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
1.29%
+225.0% YoY
+136.3% QoQ
|
+0.65% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
100.29%
-0.2% YoY
-3.4% QoQ
|
+25.77% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.94%
+10.0% YoY
-3.0% QoQ
|
-4.46% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
1.01%
+222.9% YoY
+127.7% QoQ
|
+0.56% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
14.38%
+8.7% YoY
+7.4% QoQ
|
+5.53% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.42%
-19.8% YoY
+51.4% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
100.29%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
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
91
91th pctile
Loan-to-Deposit Ratio
Current: 100.29% · Tier avg: 74.53%
75
75th pctile
Total Loans
Current: $204.8M · Tier avg: $139.2M
70
70th pctile
Tier 1 Capital Ratio
Current: 14.38% · Tier avg: 8.85%
64
64th pctile
Total Assets
Current: $259.6M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $204.2M · Tier avg: $183.7M
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.94% · Tier avg: 22.39%
23
23th pctile
Delinquency Rate
Current: 1.29% · Tier avg: 0.64%
20
20th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.08%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.45%
13
13th pctile
Efficiency Ratio
Current: 85.05% · Tier avg: 67.73%
Top Weaknesses
13
13th pctile
Efficiency Ratio
Current: 85.05% · Tier avg: 67.73%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.45%
20
20th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.08%
23
23th pctile
Delinquency Rate
Current: 1.29% · Tier avg: 0.64%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.94% · Tier avg: 22.39%
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
61
61th pctile
Total Deposits
Current: $204.2M · Tier avg: $183.7M
64
64th pctile
Total Assets
Current: $259.6M · Tier avg: $217.5M
70
70th pctile
Tier 1 Capital Ratio
Current: 14.38% · Tier avg: 8.85%
75
75th pctile
Total Loans
Current: $204.8M · Tier avg: $139.2M
91
91th pctile
Loan-to-Deposit Ratio
Current: 100.29% · Tier avg: 74.53%