Side-by-side · Q2 2026 data
Mountain Valley Bank, N.A. vs First Community Bank
Metric by metric
| Measure | Mountain Valley Bank, N.A. | First Community Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 75 |
| Capital cushion | 86 (stronger) | 52 |
| Loan quality | 94 (stronger) | 77 |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 87 (stronger) | 73 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 91st | 77th |
| Total assets | $201.9M | $3.6B |
| Deposits / shares | $175.1M | $3.0B |
| Capital ratio | 13.65% (stronger) | 10.23% |
| Problem loans | 0.19% (stronger) | 0.70% |
| Net charge-offs | 0.02% (stronger) | 0.17% |
| Return on assets | 1.40% | 2.05% (stronger) |
| Loans ÷ deposits | 72.9% (stronger) | 79.9% |
| Uninsured deposits | 11.6% (stronger) | 21.3% |
| Offices | 4 | 62 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 30.8% |
Mountain Valley Bank, N.A. has the higher TellerScore (87 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Mountain Valley Bank, N.A. leads on 6 and First Community Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.