Middletown Valley Bank is a state-chartered bank headquartered in Middletown, Maryland, in business for about 118 years. At the end of Q2 2026 it reported $1.2B in total assets and $1.1B in deposits, with 9 offices across 2 states.
Middletown Valley Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Maryland, it ranks 16th. Problem-loan coverage contributes the most (98/100, 1.1%); earnings contributes the least (38/100, 0.45%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (67 → 63), mostly because the earnings component weakened by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 65 |
| Q4 2024 | 65 |
| Q1 2025 | 66 |
| Q2 2025 | 67 |
| Q3 2025 | 66 |
| Q4 2025 | 66 |
| Q1 2026 | 68 |
| Q2 2026 | 63 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.69% |
| Q3 2024 | 8.90% |
| Q4 2024 | 9.06% |
| Q1 2025 | 9.47% |
| Q2 2025 | 9.29% |
| Q3 2025 | 9.32% |
| Q4 2025 | 9.48% |
| Q1 2026 | 9.47% |
| Q2 2026 | 9.18% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.18% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.22% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.12% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.74% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.92% |
| Q3 2025 | 0.88% |
| Q4 2025 | 0.90% |
| Q1 2026 | 1.13% |
| Q2 2026 | 0.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $1.2B | 9.18% | 0.12% | 0.45% | 89.6% |
| Q1 2026 | 68 | $1.2B | 9.47% | 0.13% | 1.13% | 94.4% |
| Q4 2025 | 66 | $1.1B | 9.48% | 0.22% | 0.90% | 93.9% |
| Q3 2025 | 66 | $1.1B | 9.32% | 0.23% | 0.88% | 90.9% |
| Q2 2025 | 67 | $1.1B | 9.29% | 0.17% | 0.92% | 88.4% |
| Q1 2025 | 66 | $1.1B | 9.47% | 0.17% | 0.83% | 91.7% |
| Q4 2024 | 65 | $1.0B | 9.06% | 0.18% | 0.74% | 93.0% |
| Q3 2024 | 65 | $1.1B | 8.90% | 0.18% | 0.73% | 90.4% |
| Q2 2024 | 63 | $1.1B | 8.69% | 0.21% | 0.66% | 90.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Maryland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rosedale BankBank Nottingham, MD | 78 out of 100, Strong | $1.4B | 18.6% | 0.52% | vs |
| Calvin B. Taylor Banking Company of Berlin, MarylandBank Berlin, MD | 81 out of 100, Strong | $1.0B | 13.6% | 0.83% | vs |
| Presidential Bank, FSBBank Bethesda, MD | 51 out of 100, Below average | $1.0B | 9.6% | 1.64% | vs |
| First United Bank & TrustBank Oakland, MD | 75 out of 100, Strong | $2.1B | 11.6% | 0.31% | vs |
| Capital Bank, National AssociationBank Rockville, MD | 46 out of 100, Below average | $3.8B | 9.0% | 2.05% | vs |
| CFG BankBank Lutherville, MD | 51 out of 100, Below average | $6.1B | 11.3% | 3.86% | vs |
Deposit insurance
Is my money safe at Middletown Valley Bank?
Yes. Middletown Valley Bank is an FDIC-insured institution (FDIC certificate #14017). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.2% of deposits ($250.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.18%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.89% (benchmark: 10%).
9 locations
Branches
Middletown Valley Bank lists 9 offices in 8 cities across 2 states. Most locations:
- Hagerstown, MD (2)
- Boonsboro, MD (1)
- Frederick, MD (1)
- Jefferson, MD (1)
- Middletown, MD (1)
- Myersville, MD (1)
- Oakland, MD (1)
- Waynesboro, PA (1)
HMDA 2025
Mortgage lending
In 2025, Middletown Valley Bank reported 135 home-loan applications under HMDA (LEI 5493002YYAGPQ7L1YS68): 116 originated ($63,260,000 total), 4 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Middletown Valley Bank
- Former names
- Middletown Savings Bank; Middletown Savings Bank of Frederick County Maryland
- Type
- State-chartered bank
- FDIC certificate #
- 14017
- RSSD ID
- 41825
- Primary regulator
- FDIC
- Holding company
- Community Heritage Finl Inc
- Established
- January 4, 1908
- Headquarters
- 803 E Main St, Middletown, MD 21769
- Website
- www.mvbbank.com
- Employees
- 175
Quick answers
Middletown Valley Bank: common questions
Is Middletown Valley Bank FDIC insured?
Yes. Middletown Valley Bank is an FDIC-insured institution (FDIC certificate #14017). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Middletown Valley Bank's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Middletown Valley Bank ever failed?
There is no failure record for FDIC certificate #14017 in the FDIC failed bank list.
How many branches does Middletown Valley Bank have?
9 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Middletown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ferko Md Federal Credit UnionCredit union Frederick, MD | 94 out of 100, Very strong | $30.1M | 19.4% | 0.58% | vs |
| Washington County Teachers Federal Credit UnionCredit union Hagerstown, MD | 92 out of 100, Very strong | $96.5M | 15.3% | 0.15% | vs |
| City National Bank of West VirginiaBank Charleston, WV | 78 out of 100, Strong | $6.8B | 9.6% | 0.22% | vs |
| 167th Tfr Federal Credit UnionCredit union Martinsburg, WV | 78 out of 100, Strong | $72.5M | 10.7% | 0.44% | vs |
| ACNB BankBank Gettysburg, PA | 77 out of 100, Strong | $3.3B | 11.2% | 0.40% | vs |
| Patriot Federal Credit UnionCredit union Chambersburg, PA | 76 out of 100, Strong | $1.3B | 11.5% | 0.26% | vs |