Middletown Valley Bank
Middletown, MD · Owner: Community Heritage Financial, Inc.
$1.2B
total assets, June 30, 2026
$1.2B
total assets, June 30, 2026
Middletown Valley Bank is a state nonmember bank based in Middletown, MD, owned by Community Heritage Financial, Inc. (CMHF). As of June 30, 2026 it held $1.2 billion in assets and $1.1 billion in deposits; assets were up 8.9% from a year before. It has 8 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.2B
+8.9% in a year · +3.5% in a quarter
Deposits
$1.1B
+10.3% in a year · +8.2% in a quarter
Loans
$977M
+11.8% in a year · +2.7% in a quarter
Profit so far
$2.6M
Jan 1 to Jun 30, 2026 · -47.2% in a year
Capital ratio
9.18%
-0.12 pts in a year
Return on assets
0.45%
-0.48 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 803 E Main St, Middletown, MD, 21769
- County
- Frederick
- Holding company
- Community Heritage Financial, Inc. (CMHF)
- Established
- Jan 4, 1908
- Employees
- 175
- Branches
- 8 in 2 states
- Website
- www.mvbbank.com
- Id
- b14017
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
8 offices as of June 30, 2026, holding $1.1 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Maryland | 7 | $1.0B | 95.1% |
| Pennsylvania | 1 | $52.6M | 4.9% |
| Largest branches | Place | Deposits |
|---|---|---|
| Eastern Boulevard | Hagerstown, MD | $438M |
| Middletown Valley Bank (main office) | Middletown, MD | $209M |
| Jefferson Branch | Jefferson, MD | $103M |
| Paramount Branch | Hagerstown, MD | $80.9M |
| Boonsboro Branch | Boonsboro, MD | $77.7M |
| Myersville Branch | Myersville, MD | $76.8M |
| Waynesboro Branch Office | Waynesboro, PA | $52.6M |
| North Market Branch | Frederick, MD | $41.4M |
Related pages
Questions and answers
How big is Middletown Valley Bank?
$1.2 billion in total assets and $1.1 billion in deposits as of June 30, 2026, with assets up 8.9% from a year before. Its loans were $976.6 million.
How many branches does Middletown Valley Bank have?
8 branches in 2 states as of June 30, 2026. The most deposits are in Maryland ($1.0 billion).
Is Middletown Valley Bank profitable?
Yes: it earned $2.58 million from January 1 to June 30, 2026 (down 47.2% from the same months a year before). Its return on assets was 0.45% a year; about 1% is typical.
Who owns Middletown Valley Bank?
Middletown Valley Bank is owned by Community Heritage Financial, Inc., its holding company, which is listed as CMHF.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.