Bank Comparison
Grand Valley Bank vs Nbt Financial Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Grand Valley Bank | Nbt Financial Bank |
|---|---|---|
| CET1 Ratio | — | 14.02% |
| Tier 1 Capital Ratio | — | 14.02% |
| Total Capital Ratio | — | 15.28% |
| Tier 1 Leverage Ratio | 11.43% | 10.79% |
| Equity / Assets | 8.75% | 10.53% |
Profitability
| Metric | Grand Valley Bank | Nbt Financial Bank |
|---|---|---|
| Return on Assets (ROA) | 1.12% | 1.49% |
| Return on Equity (ROE) | 12.88% | 14.07% |
| Net Interest Margin (NIM) | 3.63% | 4.30% |
| Yield on Earning Assets | 4.94% | 6.30% |
| Cost of Funds | 1.44% | 2.14% |
Asset quality
| Metric | Grand Valley Bank | Nbt Financial Bank |
|---|---|---|
| Texas Ratio | 0.08% | 14.85% |
| Non-Performing Loan Ratio | 0.02% | 2.23% |
| Non-Performing Asset Ratio | 0.01% | 1.67% |
| Net Charge-Off Ratio | 0.02% | 0.04% |
| ACL / Loans | 1.90% | 1.35% |
Balance sheet
| Metric | Grand Valley Bank | Nbt Financial Bank |
|---|---|---|
| Total Assets | $597,407K | $598,478K |
| Total Deposits | $542,581K | $521,801K |
| Total Loans | $282,720K | $449,614K |
| Total Equity | $52,244K | $62,999K |
| Net Income (quarter) | $1,690K | $2,192K |
Liquidity & funding
| Metric | Grand Valley Bank | Nbt Financial Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 52.11% | 86.17% |
| Core Deposit Ratio | 90.72% | 79.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Grand Valley Bank | Nbt Financial Bank |
|---|---|---|
| Headquarters City | HEBER CITY | FORT WORTH |
| Headquarters State | UT | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 9 | 6 |
| Employees (FTE) | 95 | 77 |
| Established | Dec. 13, 1983, midnight | Nov. 29, 1973, 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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