Headquartered in Elkins, West Virginia, Mountain Valley Bank, N.A. is a national bank with $201.9M in total assets and $175.1M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1909.
Mountain Valley Bank, N.A. has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 2nd. Problem-loan coverage contributes the most (96/100, 1.9%); earnings contributes the least (76/100, 1.40%).
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 rose 4 points (83 → 87), mostly because the loan quality component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 85 |
| Q4 2024 | 85 |
| Q1 2025 | 87 |
| Q2 2025 | 83 |
| Q3 2025 | 83 |
| Q4 2025 | 86 |
| Q1 2026 | 87 |
| Q2 2026 | 87 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.92% |
| Q3 2024 | 13.17% |
| Q4 2024 | 13.19% |
| Q1 2025 | 13.45% |
| Q2 2025 | 12.80% |
| Q3 2025 | 13.24% |
| Q4 2025 | 13.14% |
| Q1 2026 | 13.54% |
| Q2 2026 | 13.65% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.26% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.16% |
| Q2 2026 | 0.19% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.24% |
| Q3 2024 | 1.25% |
| Q4 2024 | 1.28% |
| Q1 2025 | 1.46% |
| Q2 2025 | 1.52% |
| Q3 2025 | 1.52% |
| Q4 2025 | 1.52% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $201.9M | 13.65% | 0.19% | 1.40% | 72.9% |
| Q1 2026 | 87 | $204.2M | 13.54% | 0.16% | 1.36% | 70.4% |
| Q4 2025 | 86 | $199.0M | 13.14% | 0.26% | 1.52% | 70.3% |
| Q3 2025 | 83 | $199.4M | 13.24% | 0.66% | 1.52% | 69.7% |
| Q2 2025 | 83 | $199.0M | 12.80% | 0.53% | 1.52% | 68.8% |
| Q1 2025 | 87 | $199.9M | 13.45% | 0.29% | 1.46% | 67.7% |
| Q4 2024 | 85 | $195.8M | 13.19% | 0.26% | 1.28% | 68.8% |
| Q3 2024 | 85 | $196.7M | 13.17% | 0.27% | 1.25% | 68.0% |
| Q2 2024 | 84 | $191.1M | 12.92% | 0.25% | 1.24% | 68.9% |
2,650 peers · $100 million – $1 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 West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Calhoun County Bank, Inc.Bank Grantsville, WV | 72 out of 100, Strong | $211.7M | 10.5% | 0.58% | vs |
| Pioneer Community Bank, Inc.Bank Iaeger, WV | 79 out of 100, Strong | $191.1M | 13.6% | 0.29% | vs |
| Williamstown Bank, Inc.Bank Williamstown, WV | 66 out of 100, Moderate | $236.7M | 10.1% | 0.37% | vs |
| The Harrison County BankBank Lost Creek, WV | 72 out of 100, Strong | $164.9M | 10.2% | 0.42% | vs |
| Capon Valley BankBank Wardensville, WV | 61 out of 100, Moderate | $244.2M | 9.7% | 1.27% | vs |
| The Fayette County National Bank of FayettevilleBank Fayetteville, WV | 69 out of 100, Moderate | $158.1M | 9.1% | 0.08% | vs |
Deposit insurance
Is my money safe at Mountain Valley Bank, N.A.?
Yes. Mountain Valley Bank, N.A. is an FDIC-insured institution (FDIC certificate #6786). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.6% of deposits ($20.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.65%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Mountain Valley Bank, N.A. lists 4 offices in 3 cities. Most locations:
- Elkins, WV (2)
- Mill Creek, WV (1)
- Parsons, WV (1)
Identity & history
Profile
- Legal name
- Mountain Valley Bank, N.A.
- Former names
- The First National Bank of Parsons
- Type
- National bank
- FDIC certificate #
- 6786
- RSSD ID
- 1011432
- Primary regulator
- OCC
- Holding company
- Mountain-Valley Bancshares Inc
- Established
- January 1, 1909
- Headquarters
- 317 Davis Ave, Elkins, WV 26241
- Website
- www.mountainvalleybank.com
- Employees
- 43
Quick answers
Mountain Valley Bank, N.A.: common questions
Is Mountain Valley Bank, N.A. FDIC insured?
Yes. Mountain Valley Bank, N.A. is an FDIC-insured institution (FDIC certificate #6786). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Mountain Valley Bank, N.A.'s TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Mountain Valley Bank, N.A. ever failed?
There is no failure record for FDIC certificate #6786 in the FDIC failed bank list.
How many branches does Mountain Valley Bank, N.A. have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Elkins
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Freedom Bank, Inc.Bank Belington, WV | 78 out of 100, Strong | $429.7M | 11.4% | 0.36% | vs |
| First Community BankBank Bluefield, VA | 75 out of 100, Strong | $3.6B | 10.2% | 0.70% | vs |
| Citizens Bank of West Virginia, Inc.Bank Elkins, WV | 74 out of 100, Strong | $772.5M | 10.0% | 0.58% | vs |
| Highlands BankBank Petersburg, WV | 69 out of 100, Moderate | $407.1M | 11.0% | 0.91% | vs |
| Peoples BankBank Marietta, OH | 67 out of 100, Moderate | $9.5B | 9.7% | 0.60% | vs |
| JPMorgan Chase Bank, National AssociationBank Columbus, OH | 61 out of 100, Moderate | $4.1T | 7.5% | 0.78% | vs |