Mountain Valley Bank

17114 Rankin Avenue
Dunlap, TN 37327

Notable Rates APY Vs.Others
Savings 0.10% 1.96% →
1-Year CD 0.10% 2.02% →
2-Year CD 0.15% 2.02% →
5-Year CD 0.75% 2.02% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Bank Information

Mountain Valley Bank is an FDIC insured institution located in Dunlap, TN. It was founded in 1905 and has approximately $0.11 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 1705
Date Established 1905
Assets $0.11 billion
Loans $0.08 billion
Deposits $0.10 billion
Capital $0.01 billion

For a more detailed analysis of Mountain Valley Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 2, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
0.10% $1 - Learn MoreShow Less
Money Market
0.15% $2,500 - Learn MoreShow Less
3 Mo CD
0.01% $500 $14,999 Learn MoreShow Less
3 Mo CD
0.01% $15,000 $249,999 Learn MoreShow Less
6 Mo CD
0.05% $500 $14,999 Learn MoreShow Less
6 Mo CD
0.05% $15,000 $249,999 Learn MoreShow Less

Fixed IRA
0.10% $500 $14,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $750 $2,499 Learn MoreShow Less
Int Ckg
0.05% $2,500 $99,999 Learn MoreShow Less
Checking Rates APY MIN FEE
Interest Checking 0.75% $0 $0.00 Learn MoreShow Less

Loan Rates - April 2, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Mountain Valley Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Mountain Valley Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Mountain Valley Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Mountain Valley Bank Locations

Financial Details

Mountain Valley Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mountain Valley Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Mountain Valley Bank U.S. Bank Average
8.44% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Mountain Valley Bank had $725,000 in non-current loans and $152,000 in owned real estate. To cover these potential losses it had $9,667,000 in equity and $723,000 in loans loss reserves. That gives it a Texas Ratio of 8.44%.

Return on Equity
Mountain Valley Bank U.S. Bank Average
5.52% 9.72%

Mountain Valley Bank has a Return on Equity of 5.52% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Mountain Valley Bank U.S. Bank Average
9.09% 12.89%

Mountain Valley Bank has a Capitalization of 9.09% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Mountain Valley Bank Balance Sheet Analysis

As of September 30, 2019, Mountain Valley Bank had assets of $106,291,000, loans of $78,276,000, and deposits of $96,400,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.08 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.10 billion
Total deposits $0.10 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.10 billion
      % insured (estimated) 85.75%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.10 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Mountain Valley Bank’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Commercial Real Estate.

Compared to other banks in Tennessee, Mountain Valley Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 54.67
Credit Card Loans 0.09
Consumer Auto Loans 2.15
Small Business Loans 0.00
Construction and Development Loans 15.17
Commercial Real Estate 9.55
Commercial and Industrial Loans 5.41
Farm Loans 1.03

Frequently Asked Questions About Mountain Valley Bank

Branches and Savings

Is Mountain Valley Bank FDIC insured?

Yes. It is covered under FDIC Certificate #1705.

Why does Mountain Valley Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Mountain Valley Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Mountain Valley Bank a commercial bank?


Where are Mountain Valley Bank locations?

See branch locations nearby.

Is Mountain Valley Bank open on Saturdays?

Is Mountain Valley Bank open on Sundays?

What time does Mountain Valley Bank open?

What time does Mountain Valley Bank close?

Are Mountain Valley Bank ATMs Open 24/7?

Do Mountain Valley Bank ATMs accept cash deposits?

Can Mountain Valley Bank customers use other ATMs?

Do Mountain Valley Bank branches have notaries?

Will Mountain Valley Bank notarize my document?

What address for Mountain Valley Bank should I put for incoming ACH transfers?

Will the Mountain Valley Bank branch print checks?

Do Mountain Valley Bank checks expire?

Does Mountain Valley Bank require US citizenship to open account?

Can Mountain Valley Bank close my account?

Does Mountain Valley Bank Report to credit bureaus?

Does Mountain Valley Bank Use Equifax?

What is Mountain Valley Bank's ACH Routing Number?

What is Mountain Valley Bank's SWIFT code?


Does Mountain Valley Bank offer mortgages?

Compare mortgage rates here.

Does Mountain Valley Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Mountain Valley Bank offer personal loans?

Compare personal loan rates here.

Does Mountain Valley Bank offer student loans?

Will Mountain Valley Bank cash a check?

Will Mountain Valley Bank redeem a savings bond?

Does Mountain Valley Bank cash savings bonds?

Will Mountain Valley Bank cash money orders?

Can Mountain Valley Bank issue a money order?

Does Mountain Valley Bank do currency exchange?

Background on The Bank

Who owns Mountain Valley Bank?

How long has Mountain Valley Bank been around?

Can Mountain Valley Bank transfer to other banks?

Does Mountain Valley Bank have quick pay?

Does Mountain Valley Bank accept rolled coins?

Will Mountain Valley Bank accept loose change?

Where is Mountain Valley Bank headquarters?

Customer Reviews for Mountain Valley Bank

There are currently no comments for Mountain Valley Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →