🏦Bank Scorer

MIDDLETOWN VALLEY BANK

MIDDLETOWN, MD · Supervised by FDIC

Est. 1908FDIC #14,017RSSD: FDIC-14017
Part ofCOMMUNITY HERITAGE FINL INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.13%

Institution Profile

FDIC BankFind

Address

803 E Main St, MIDDLETOWN, MD

County

Frederick County

Established

January 4, 1908

Total Assets

$1.2B(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

August 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$997M

Net Loans

$941M

Net Income

$3M

ROA

1.13%

ROE

12.53%

Risk-Based Capital

13.16%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate3.06%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$979M

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249887.76%3.06%
202314785.03%3.40%
202223894.12%0.00%
202116485.37%4.27%
202015873.42%10.76%
20199980.81%12.12%
201812681.75%3.97%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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