Mountain Valley Bank: how it compares with its peers
Against 27 CO banks with half to twice its assets, Mountain Valley Bank's strongest measure in Q2 2026 is assets per employee ($8.7M vs. a $7.3M peer median). Its weakest relative measure is return on assets (0.91% vs. 1.45%).
| Measure | Mountain Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.91% | 1.45% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.80% | 4.38% | Bottom third Ahead of 22% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.41% | 63.10% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.7M | $7.3M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.07% | 81.97% | Context |
What it means for lending operations
Its efficiency ratio of 67.41% is above the 63.10% 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
- High Country Bank Salida, CO · $528M
- First National Bank Colorado Las Animas, CO · $634M
- High Plains Bank Flagler, CO · $643M
- Stockmens Bank Colorado Springs, CO · $651M
- Integrity Bank & Trust Monument, CO · $460M
- The Dolores State Bank Dolores, CO · $456M
Questions about Mountain Valley Bank
How big is Mountain Valley Bank?
Mountain Valley Bank, established in 1955, is headquartered in Walden, CO. It reported $557M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Mountain Valley Bank's return on assets?
0.91% annualized in Q2 2026, against a 1.45% median for 27 CO banks with half to twice its assets, ahead of 19% of them.
What is Mountain Valley Bank's efficiency ratio?
67.41% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 63.10%, and lower is better.
Is Mountain Valley Bank growing its loans?
Net loans grew 1.6% over the year to Q2 2026, while deposits shrank 0.7%.
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 CO 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 Colorado bank ranked.