Bank Comparison
Fahey Banking Company, the vs North Valley Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Fahey Banking Company, the | North Valley Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 15.78% | 10.35% |
| Equity / Assets | 15.17% | 10.99% |
Profitability
| Metric | Fahey Banking Company, the | North Valley Bank |
|---|---|---|
| Return on Assets (ROA) | 2.48% | 1.01% |
| Return on Equity (ROE) | 16.67% | 9.04% |
| Net Interest Margin (NIM) | 5.36% | 4.46% |
| Yield on Earning Assets | 7.54% | 6.03% |
| Cost of Funds | 2.51% | 1.61% |
Asset quality
| Metric | Fahey Banking Company, the | North Valley Bank |
|---|---|---|
| Texas Ratio | 13.24% | 6.17% |
| Non-Performing Loan Ratio | 1.72% | 0.80% |
| Non-Performing Asset Ratio | 1.37% | 0.62% |
| Net Charge-Off Ratio | 0.00% | 0.08% |
| ACL / Loans | 1.22% | 0.77% |
Balance sheet
| Metric | Fahey Banking Company, the | North Valley Bank |
|---|---|---|
| Total Assets | $384,184K | $414,572K |
| Total Deposits | $312,545K | $363,748K |
| Total Loans | $305,635K | $319,732K |
| Total Equity | $58,280K | $45,556K |
| Net Income (quarter) | $2,398K | $1,026K |
Liquidity & funding
| Metric | Fahey Banking Company, the | North Valley Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 97.79% | 87.90% |
| Core Deposit Ratio | 84.21% | 96.75% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Fahey Banking Company, the | North Valley Bank |
|---|---|---|
| Headquarters City | MARION | ZANESVILLE |
| Headquarters State | OH | OH |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 2 | 10 |
| Employees (FTE) | 46 | 104 |
| Established | May 1, 1865, 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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