Bank Comparison
Exchange Bank vs North Valley Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Exchange Bank | North Valley Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.02% | 10.35% |
| Equity / Assets | 9.15% | 10.99% |
Profitability
| Metric | Exchange Bank | North Valley Bank |
|---|---|---|
| Return on Assets (ROA) | -3.13% | 1.01% |
| Return on Equity (ROE) | -32.69% | 9.04% |
| Net Interest Margin (NIM) | 4.38% | 4.46% |
| Yield on Earning Assets | 5.77% | 6.03% |
| Cost of Funds | 1.54% | 1.61% |
Asset quality
| Metric | Exchange Bank | North Valley Bank |
|---|---|---|
| Texas Ratio | 1.02% | 6.17% |
| Non-Performing Loan Ratio | 0.14% | 0.80% |
| Non-Performing Asset Ratio | 0.10% | 0.62% |
| Net Charge-Off Ratio | 0.04% | 0.08% |
| ACL / Loans | 1.54% | 0.77% |
Balance sheet
| Metric | Exchange Bank | North Valley Bank |
|---|---|---|
| Total Assets | $414,288K | $414,572K |
| Total Deposits | $364,408K | $363,748K |
| Total Loans | $290,764K | $319,732K |
| Total Equity | $37,890K | $45,556K |
| Net Income (quarter) | $-3,445 | $1,026K |
Liquidity & funding
| Metric | Exchange Bank | North Valley Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 79.79% | 87.90% |
| Core Deposit Ratio | 87.05% | 96.75% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Exchange Bank | North Valley Bank |
|---|---|---|
| Headquarters City | MILLEDGEVILLE | ZANESVILLE |
| Headquarters State | GA | OH |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 4 | 10 |
| Employees (FTE) | 74 | 104 |
| Established | June 1, 1903, midnight | Nov. 4, 1904, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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