Middletown Valley Bank: how it compares with its peers
Against 10 MD banks with half to twice its assets, Middletown Valley Bank's strongest measure in Q2 2026 is net interest margin (3.78% vs. a 3.72% peer median). Its weakest relative measure is return on assets (0.45% vs. 1.05%).
| Measure | Middletown Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.45% | 1.05% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.78% | 3.72% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.01% | 61.97% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $8.3M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.58% | 86.81% | Context |
What it means for lending operations
Its efficiency ratio of 61.01% is better than the 61.97% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Rosedale Bank Nottingham, MD · $1.36B
- Calvin B. Taylor Banking Company of Berlin, Maryland Berlin, MD · $1.02B
- Presidential Bank, FSB Bethesda, MD · $1.01B
- Farmers and Merchants Bank Upperco, MD · $874M
- BayVanguard Bank Baltimore, MD · $869M
- Hebron Savings Bank Hebron, MD · $839M
Questions about Middletown Valley Bank
How big is Middletown Valley Bank?
Middletown Valley Bank, established in 1908, is headquartered in Middletown, MD. It reported $1.19B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Middletown Valley Bank's return on assets?
0.45% annualized in Q2 2026, against a 1.05% median for 10 MD banks with half to twice its assets, ahead of 10% of them.
What is Middletown Valley Bank's efficiency ratio?
61.01% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 61.97%, and lower is better.
Is Middletown Valley Bank growing its loans?
Net loans grew 11.7% over the year to Q2 2026, while deposits grew 10.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MD banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Maryland bank ranked.