Middletown Valley Bank (FDIC #14017): Bank Stress & Real-Estate Credit Exposure
Middletown Valley Bank (FDIC Cert #14017): bank stress 87/100, severe, STABLE over 7 days; parent COMMUNITY HERITAGE FINL INC.
Middletown Valley Bank (#14017) lends in 3 counties across 2 states; Middletown Valley Bank (#14017) reaches 82 ZIP codes: Maryland 2 counties, 51 ZIPs; Pennsylvania 1 county, 31 ZIPs.
Middletown Valley Bank (#14017) largest markets: Frederick County, MD (140 branches, 35 ZIPs) (#14017), Franklin County, PA (31 branches, 31 ZIPs) (#14017), Washington County, MD (63 branches, 21 ZIPs) (#14017).
Middletown Valley Bank (#14017) reports $1.19 billion in total assets; Middletown Valley Bank (#14017) equity $100.6 million (8.4% of Middletown Valley Bank (#14017) assets); Middletown Valley Bank (#14017) domestic deposits $1.08 billion; Middletown Valley Bank (#14017) net income $2.6 million; Middletown Valley Bank (#14017) return on assets 0.45%; Middletown Valley Bank (#14017) return on equity 5.06%; Middletown Valley Bank (#14017) net interest income $21.1 million; Middletown Valley Bank (#14017) call report June 30, 2026.
Middletown Valley Bank (#14017) noncurrent real-estate loans: none reported; Middletown Valley Bank (#14017) net charge-offs on real estate 0.14%.
Middletown Valley Bank (#14017) net interest margin 3.78% against an eight-quarter Middletown Valley Bank (#14017) average of 3.46% (Middletown Valley Bank (#14017) compression -0.32 points); Middletown Valley Bank (#14017) rate-exposure score 40/100, Middletown Valley Bank (#14017) fixed-rate trap 40/100; Middletown Valley Bank (#14017) risk type credit driven; Middletown Valley Bank (#14017) rate regime rates elevated, Middletown Valley Bank (#14017) snapshot October 19, 2026.
Middletown Valley Bank (#14017) stress score moved from 70.1 on June 22, 2026 to 87.1 on October 19, 2026; Middletown Valley Bank (#14017) ranged 70.1 to 87.1 over 116 snapshots.
Middletown Valley Bank (#14017) alerts: 3 counties; top Middletown Valley Bank (#14017) alert scores: Hagerstown County, MD 26 (low); Myersville County, MD 26 (low); Waynesboro County, MD 26 (low).