This institution is no longer active

Operations ceased on September 6, 2017. CRA examination history below reflects the period it was active.

MOUNTAIN VALLEY COMMUNITY BANK

CLEVELAND, GA · Supervised by FDIC

Est. 2004FDIC #57,711RSSD: FDIC-57711

Part ofMOUNTAIN VALLEY BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: January 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.65%

Institution Profile

FDIC BankFind

Address

136 North Main Street, CLEVELAND, GA

County

White County

Established

May 4, 2004

Total Assets

$197M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2012

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 14 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2017Call Report / FDIC

Total Assets

$197M

Total Deposits

$171M

Net Loans

$111M

Net Income

$639K

ROA

0.65%

ROE

7.09%

Risk-Based Capital

15.74%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2006

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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