NORTH VALLEY BANK

THORNTON, CO | Small | Est. Feb. 25, 1963, midnight | FDIC #18710 | RSSD #350750 | FDIC
Latest Report: 2025-12-31

NORTH VALLEY BANK is asn small FDIC-insured commercial bank headquartered in THORNTON, CO, established in Feb. 25, 1963, midnight. As of 2025-12-31, the bank reported total assets of $260M and total deposits of $215M. Profitability stands at 2.68% ROA and 20.55% ROE, with a net interest margin of 5.85%. The bank's CET1 capital ratio is 13.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 7.98%. FDIC Certificate #18710.

Assets

$260M

Deposits

$215M

Loans

$231M

Equity

$34M

Profitability

Return on Assets (ROA) 2.68%
Return on Equity (ROE) 20.55%
Net Interest Margin (NIM) 5.85%
Yield on Assets 8.03%
Cost of Funds 2.32%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.25%
Texas Ratio 7.98%
NPA Ratio 1.15%
ACL / Loans 1.49%

Capital & Liquidity

CET1 Ratio 13.11%
Tier 1 Capital 13.11%
Total Capital Ratio 13.76%
Leverage Ratio 13.42%
Loan-to-Deposit 107.34%

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