NORTH VALLEY BANK

ZANESVILLE, OH | Small | Est. Nov. 4, 1904, midnight | FDIC #2284 | RSSD #783910 | FED
Latest Report: 2025-12-31

NORTH VALLEY BANK is asn small FDIC-insured commercial bank headquartered in ZANESVILLE, OH, established in Nov. 4, 1904, midnight. As of 2025-12-31, the bank reported total assets of $409M and total deposits of $358M. Profitability stands at 0.97% ROA and 9.07% ROE, with a net interest margin of 4.41%. The bank's CET1 capital ratio is 8.50%. Asset quality metrics show a non-performing loan ratio of 0.90% and a Texas Ratio of 5.99%. FDIC Certificate #2284.

Assets

$409M

Deposits

$358M

Loans

$318M

Equity

$45M

Profitability

Return on Assets (ROA) 0.97%
Return on Equity (ROE) 9.07%
Net Interest Margin (NIM) 4.41%
Yield on Assets 6.13%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 0.90%
Net Charge-Off Ratio 0.00%
Texas Ratio 5.99%
NPA Ratio 0.70%
ACL / Loans 0.80%

Capital & Liquidity

CET1 Ratio 8.50%
Tier 1 Capital 8.50%
Total Capital Ratio 8.93%
Leverage Ratio 9.86%
Loan-to-Deposit 88.77%

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