Call reports 2025
MOUNTAIN VALLEY BANK, N.A. — 2025
What MOUNTAIN VALLEY BANK, N.A. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 199,853,000 | 198,972,000 | 199,361,000 | 199,013,000 |
| Total loans | 119,884,000 | 121,754,000 | 122,664,000 | 123,418,000 |
| Allowance for loan losses | 1,546,000 | 1,546,000 | 1,543,000 | 1,509,000 |
| Securities available for sale | 56,240,000 | 56,360,000 | 54,218,000 | 54,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,832,000 | 174,600,000 | 173,728,000 | 173,319,000 |
| Interest-bearing deposits | 118,262,000 | 118,666,000 | 118,676,000 | 119,548,000 |
| Noninterest-bearing deposits | 56,570,000 | 55,934,000 | 55,052,000 | 53,771,000 |
| Equity capital | 23,994,000 | 23,495,000 | 24,804,000 | 24,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,450,000 | 5,026,000 | 7,644,000 | 10,302,000 |
| Interest expense | 478,000 | 932,000 | 1,393,000 | 1,866,000 |
| Net interest income | 1,972,000 | 4,094,000 | 6,251,000 | 8,436,000 |
| Noninterest income | 253,000 | 475,000 | 700,000 | 931,000 |
| Noninterest expense | 1,297,000 | 2,633,000 | 4,043,000 | 5,494,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 928,000 | 1,936,000 | 2,908,000 | 3,873,000 |
| Income tax | 205,000 | 429,000 | 644,000 | 855,000 |
| Net income | 723,000 | 1,507,000 | 2,264,000 | 3,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,738,000 | 25,992,000 | 26,749,000 | 26,629,000 |