Bank Comparison
First National Bank of Stanton, the vs North Valley Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Stanton, the | North Valley Bank |
|---|---|---|
| CET1 Ratio | 36.51% | — |
| Tier 1 Capital Ratio | 36.51% | — |
| Total Capital Ratio | 37.76% | — |
| Tier 1 Leverage Ratio | 15.79% | 10.35% |
| Equity / Assets | 15.46% | 10.99% |
Profitability
| Metric | First National Bank of Stanton, the | North Valley Bank |
|---|---|---|
| Return on Assets (ROA) | 2.50% | 1.01% |
| Return on Equity (ROE) | 16.92% | 9.04% |
| Net Interest Margin (NIM) | 4.05% | 4.46% |
| Yield on Earning Assets | 4.79% | 6.03% |
| Cost of Funds | 0.83% | 1.61% |
Asset quality
| Metric | First National Bank of Stanton, the | North Valley Bank |
|---|---|---|
| Texas Ratio | 0.02% | 6.17% |
| Non-Performing Loan Ratio | 0.01% | 0.80% |
| Non-Performing Asset Ratio | 0.00% | 0.62% |
| Net Charge-Off Ratio | 0.07% | 0.08% |
| ACL / Loans | 2.15% | 0.77% |
Balance sheet
| Metric | First National Bank of Stanton, the | North Valley Bank |
|---|---|---|
| Total Assets | $414,063K | $414,572K |
| Total Deposits | $349,192K | $363,748K |
| Total Loans | $111,592K | $319,732K |
| Total Equity | $64,027K | $45,556K |
| Net Income (quarter) | $2,664K | $1,026K |
Liquidity & funding
| Metric | First National Bank of Stanton, the | North Valley Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 31.96% | 87.90% |
| Core Deposit Ratio | 95.72% | 96.75% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Stanton, the | North Valley Bank |
|---|---|---|
| Headquarters City | STANTON | ZANESVILLE |
| Headquarters State | TX | OH |
| Asset Tier | Small | Small |
| Charter Class | 8094 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 2 | 10 |
| Employees (FTE) | 25 | 104 |
| Established | Jan. 1, 1906, 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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