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BDI
MV

Middletown Valley Bank

Middletown, MarylandFDIC Cert #14017

STATEEstablished 19088 branches

Holding company: COMMUNITY HERITAGE FINL INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$152M
Investor CRE$182M
Multifamily$23M
Construction$84.4M
1–4 family$333M
C&I$145M
Agriculture$30.5M
Other$937K

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$951M
+10.1%y/y
Percentile by value39th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSGR
Net loans
$941M
+10.1%y/y
Percentile by value39th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET
Loans YoY
+10.06%
+163.9%y/y
Percentile by value70th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET
L/D
94.4%
+3.0%y/y
Percentile by value79th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET + DEP
Loans/assets
81.6%
+1.0%y/y
Percentile by value85th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET + ASSET
RE loans %
89.29%
+0.4%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
247%
+3.1%y/y
Percentile by value57th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
72%
+17.8%y/y
Percentile by value73rd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,196points
+0.8%y/y
Peer standing38th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
15.99%
−3.7%y/y
Percentile by value68th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNRENROW + LNLSGR
Investor CRE %
19.14%
−0.8%y/y
Percentile by value51st percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNRENROT + LNLSGR
C&I %
15.28%
+0.3%y/y
Percentile by value69th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNCI + LNLSGR