TRI-VALLEY BANK

RANDOLPH, IA | Micro | Est. Jan. 1, 1917, midnight | FDIC #12417 | RSSD #404943 | FDIC
Latest Report: 2025-12-31

TRI-VALLEY BANK is amn micro FDIC-insured commercial bank headquartered in RANDOLPH, IA, established in Jan. 1, 1917, midnight. As of 2025-12-31, the bank reported total assets of $80M and total deposits of $75M. Profitability stands at -0.11% ROA and -1.72% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 6.03%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 4.20% and a Texas Ratio of 39.41%. FDIC Certificate #12417.

Assets

$80M

Deposits

$75M

Loans

$55M

Equity

$5M

Profitability

Return on Assets (ROA) -0.11%
Return on Equity (ROE) -1.72%
Net Interest Margin (NIM) 4.37%
Yield on Assets 5.87%
Cost of Funds 2.05%

Asset Quality

NPL Ratio 4.20%
Net Charge-Off Ratio 0.92%
Texas Ratio 39.41%
NPA Ratio 2.88%
ACL / Loans 1.88%

Capital & Liquidity

CET1 Ratio 6.03%
Tier 1 Capital 6.03%
Total Capital Ratio 6.33%
Leverage Ratio 9.11%
Loan-to-Deposit 73.93%

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