Bank Comparison
North Valley Bank vs First National Bank in Trinidad
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | North Valley Bank | First National Bank in Trinidad |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.59% | 10.68% |
| Equity / Assets | 13.22% | 5.89% |
Profitability
| Metric | North Valley Bank | First National Bank in Trinidad |
|---|---|---|
| Return on Assets (ROA) | 2.84% | 0.44% |
| Return on Equity (ROE) | 21.06% | 7.39% |
| Net Interest Margin (NIM) | 5.47% | 3.58% |
| Yield on Earning Assets | 7.46% | 4.32% |
| Cost of Funds | 2.20% | 0.76% |
Asset quality
| Metric | North Valley Bank | First National Bank in Trinidad |
|---|---|---|
| Texas Ratio | 7.86% | 7.50% |
| Non-Performing Loan Ratio | 0.00% | 0.92% |
| Non-Performing Asset Ratio | 1.14% | 0.50% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.53% | 1.53% |
Balance sheet
| Metric | North Valley Bank | First National Bank in Trinidad |
|---|---|---|
| Total Assets | $261,989K | $255,985K |
| Total Deposits | $209,184K | $240,710K |
| Total Loans | $228,513K | $139,710K |
| Total Equity | $34,631K | $15,078K |
| Net Income (quarter) | $1,810K | $284 |
Liquidity & funding
| Metric | North Valley Bank | First National Bank in Trinidad |
|---|---|---|
| Loan-to-Deposit Ratio | 109.24% | 58.04% |
| Core Deposit Ratio | 91.29% | 99.44% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | North Valley Bank | First National Bank in Trinidad |
|---|---|---|
| Headquarters City | THORNTON | TRINIDAD |
| Headquarters State | CO | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 14222 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 34 | 64 |
| Established | Feb. 25, 1963, midnight | April 16, 1875, 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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