BlastPoint's Banking Scorecard
Mountain Valley Bank
Community
Specialty: Commercial
CO
FDIC cert 17411
Walden, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
Mountain Valley Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 8% in Community
- - Flatlined Growth: Bottom 13% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$562.2M
-1.7% YoY
+0.6% QoQ
|
-$829.2M |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$401.3M
+1.5% YoY
-1.3% QoQ
|
-$574.2M |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 15% in tier |
| Total Deposits ? |
$453.2M
+4.1% YoY
+0.7% QoQ
|
-$711.5M |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.88%
+44.2% YoY
+9.0% QoQ
|
-0.28% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.61%
+18.3% YoY
+2.9% QoQ
|
-0.06% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
66.78%
-7.6% YoY
-1.1% QoQ
|
+4.14% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.20%
-42.5% YoY
-6.3% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
88.56%
-2.5% YoY
-2.0% QoQ
|
+5.50% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
25.88%
+10.0% YoY
+11.0% QoQ
|
+4.83% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.14%
-40.6% YoY
-8.1% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.34%
+13.4% YoY
+47.1% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#35 of 432 · Bottom 8% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#32 of 245 · Bottom 13% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.88%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
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
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.88% · Tier avg: 21.05%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.56% · Tier avg: 83.06%
36
36th pctile
Efficiency Ratio
Current: 66.78% · Tier avg: 62.63%
30
30th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
15
15th pctile
Total Loans
Current: $401.3M · Tier avg: $975.5M
9
9th pctile
Total Assets
Current: $562.2M · Tier avg: $1.4B
6
6th pctile
Total Deposits
Current: $453.2M · Tier avg: $1.2B
Top Weaknesses
6
6th pctile
Total Deposits
Current: $453.2M · Tier avg: $1.2B
9
9th pctile
Total Assets
Current: $562.2M · Tier avg: $1.4B
15
15th pctile
Total Loans
Current: $401.3M · Tier avg: $975.5M
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.16%
36
36th pctile
Efficiency Ratio
Current: 66.78% · Tier avg: 62.63%
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.56% · Tier avg: 83.06%
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.88% · Tier avg: 21.05%