Bank Comparison
North Valley Bank vs Bank of Desoto, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 3
winning metrics across 20 comparable rows
Capital adequacy
| Metric | North Valley Bank | Bank of Desoto, N.A. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.59% | 10.24% |
| Equity / Assets | 13.22% | 10.17% |
Profitability
| Metric | North Valley Bank | Bank of Desoto, N.A. |
|---|---|---|
| Return on Assets (ROA) | 2.84% | 1.52% |
| Return on Equity (ROE) | 21.06% | 14.84% |
| Net Interest Margin (NIM) | 5.47% | 4.85% |
| Yield on Earning Assets | 7.46% | 6.93% |
| Cost of Funds | 2.20% | 2.21% |
Asset quality
| Metric | North Valley Bank | Bank of Desoto, N.A. |
|---|---|---|
| Texas Ratio | 7.86% | 8.28% |
| Non-Performing Loan Ratio | 0.00% | 0.55% |
| Non-Performing Asset Ratio | 1.14% | 0.54% |
| Net Charge-Off Ratio | 0.00% | 0.46% |
| ACL / Loans | 1.53% | 1.05% |
Balance sheet
| Metric | North Valley Bank | Bank of Desoto, N.A. |
|---|---|---|
| Total Assets | $261,989K | $261,753K |
| Total Deposits | $209,184K | $234,566K |
| Total Loans | $228,513K | $152,178K |
| Total Equity | $34,631K | $26,626K |
| Net Income (quarter) | $1,810K | $989 |
Liquidity & funding
| Metric | North Valley Bank | Bank of Desoto, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 109.24% | 64.88% |
| Core Deposit Ratio | 91.29% | 75.43% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | North Valley Bank | Bank of Desoto, N.A. |
|---|---|---|
| Headquarters City | THORNTON | DESOTO |
| Headquarters State | CO | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 20415 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 34 | 40 |
| Established | Feb. 25, 1963, midnight | Jan. 27, 1986, 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.
View full North Valley Bank profile | View full Bank of Desoto, N.A. profile | Browse all bank comparisons