Mountain Valley Bank (FDIC #1705): Bank Stress & Real-Estate Credit Exposure
Mountain Valley Bank (FDIC Cert #1705): bank stress 81/100, severe, STABLE over 7 days; parent SEQUATCHIE COUNTY BCORP INC.
Mountain Valley Bank (#1705) lends in 3 counties across 1 state; Mountain Valley Bank (#1705) reaches 45 ZIP codes: Tennessee 3 counties, 45 ZIPs.
Mountain Valley Bank (#1705) largest markets: Hamilton County, TN (32 branches, 32 ZIPs) (#1705), Marion County, TN (24 branches, 12 ZIPs) (#1705), Sequatchie County, TN (16 branches, 8 ZIPs) (#1705).
Mountain Valley Bank (#1705) reports $254.6 million in total assets; Mountain Valley Bank (#1705) equity $25.1 million (9.8% of Mountain Valley Bank (#1705) assets); Mountain Valley Bank (#1705) domestic deposits $198.9 million; Mountain Valley Bank (#1705) net income $649,000; Mountain Valley Bank (#1705) return on assets 0.51%; Mountain Valley Bank (#1705) return on equity 5.23%; Mountain Valley Bank (#1705) net interest income $4.8 million; Mountain Valley Bank (#1705) call report June 30, 2026.
Mountain Valley Bank (#1705) noncurrent real-estate loans: none reported; Mountain Valley Bank (#1705) net charge-offs on real estate 0.14%.
Mountain Valley Bank (#1705) net interest margin 3.99% against an eight-quarter Mountain Valley Bank (#1705) average of 3.70% (Mountain Valley Bank (#1705) compression -0.28 points); Mountain Valley Bank (#1705) rate-exposure score 40/100, Mountain Valley Bank (#1705) fixed-rate trap 40/100; Mountain Valley Bank (#1705) risk type credit driven; Mountain Valley Bank (#1705) rate regime rates elevated, Mountain Valley Bank (#1705) snapshot October 19, 2026.
Mountain Valley Bank (#1705) stress score moved from 79 on June 22, 2026 to 81 on October 19, 2026; Mountain Valley Bank (#1705) ranged 79 to 81 over 116 snapshots.
Mountain Valley Bank (#1705) alerts: 3 counties; top Mountain Valley Bank (#1705) alert scores: Dunlap County, TN 25 (low); Monteagle County, TN 25 (low); Ooltewah County, TN 25 (low).