Mountain Valley Bank: how it compares with its peers
Against 46 TN banks with half to twice its assets, Mountain Valley Bank's strongest measure in Q2 2026 is net interest margin (3.99% vs. a 4.06% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $6.2M).
| Measure | Mountain Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.51% | 1.01% | Bottom third Ahead of 15% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.99% | 4.06% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.83% | 65.64% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $6.2M | Bottom third Ahead of 4% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.66% | 82.44% | Context |
What it means for lending operations
Its efficiency ratio of 83.83% is above the 65.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Perry County Lobelville, TN · $253M
- Union Bank Jamestown, TN · $247M
- Homeland Community Bank Mcminnville, TN · $244M
- Citizens Bank and Trust Company of Grainger County Rutledge, TN · $273M
- Farmers State Bank Mountain City, TN · $233M
- Newport Federal Bank Newport, TN · $277M
Questions about Mountain Valley Bank
How big is Mountain Valley Bank?
Mountain Valley Bank, established in 1905, is headquartered in Dunlap, TN. It reported $255M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Mountain Valley Bank's return on assets?
0.51% annualized in Q2 2026, against a 1.01% median for 46 TN banks with half to twice its assets, ahead of 15% of them.
What is Mountain Valley Bank's efficiency ratio?
83.83% in Q2 2026: it spent about 84 cents in noninterest expense for each dollar of revenue. The peer median is 65.64%, and lower is better.
Is Mountain Valley Bank growing its loans?
Net loans shrank 2.6% over the year to Q2 2026, while deposits shrank 4.9%.
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 TN 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 Tennessee bank ranked.