Bank · FDIC insured
Mountain Valley Bank
A $254.6M bank headquartered in Dunlap, TN, with 5 branches in Tennessee. Best rates: savings 1.06% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings861.31%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Mountain Valley Bank
Founded in Dunlap, Tennessee in 1905 as Sequatchie County Bank, the institution was renamed Mountain Valley Bank on January 1, 2001.
An independently owned bank and certified Community Development Financial Institution, it serves Dunlap, Monteagle, Jasper, Ooltewah, and Dayton.
- Headquarters
- 17114 Rankin Ave, Dunlap, TN 37327
- FDIC certificate
- 1705 ↗
Branches
5 branches in Tennessee
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Tennessee
5 branches
- Mountain Valley BankMain office17114 Rankin Ave, Dunlap, TN 37327Directions
- Dunlap Branch - Drive ThruHighway 28 South At Cordell Lane, Dunlap, TN 37327Directions
- Jasper Branch3325 Main St, Jasper, TN 37347Directions
- Monteagle Branch25 Dixie Lee Ave, Monteagle, TN 37356Directions
- Ooltewah Branch5942 Reagan Ln, Ooltewah, TN 37363Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.02% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.54% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.51% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $101 | $81 | — |
- CapitalLeverage ratio10.02%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.54%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.51%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$101Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Mountain Valley Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.