Bank Comparison
North Valley Bank vs Union Savings and Loan Association
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | North Valley Bank | Union Savings and Loan Association |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.59% | 10.14% |
| Equity / Assets | 13.22% | 9.96% |
Profitability
| Metric | North Valley Bank | Union Savings and Loan Association |
|---|---|---|
| Return on Assets (ROA) | 2.84% | 0.93% |
| Return on Equity (ROE) | 21.06% | 9.41% |
| Net Interest Margin (NIM) | 5.47% | 4.11% |
| Yield on Earning Assets | 7.46% | 6.11% |
| Cost of Funds | 2.20% | 2.15% |
Asset quality
| Metric | North Valley Bank | Union Savings and Loan Association |
|---|---|---|
| Texas Ratio | 7.86% | 8.63% |
| Non-Performing Loan Ratio | 0.00% | 1.14% |
| Non-Performing Asset Ratio | 1.14% | 0.94% |
| Net Charge-Off Ratio | 0.00% | 0.02% |
| ACL / Loans | 1.53% | 1.13% |
Balance sheet
| Metric | North Valley Bank | Union Savings and Loan Association |
|---|---|---|
| Total Assets | $261,989K | $261,643K |
| Total Deposits | $209,184K | $234,355K |
| Total Loans | $228,513K | $214,457K |
| Total Equity | $34,631K | $26,068K |
| Net Income (quarter) | $1,810K | $606 |
Liquidity & funding
| Metric | North Valley Bank | Union Savings and Loan Association |
|---|---|---|
| Loan-to-Deposit Ratio | 109.24% | 91.51% |
| Core Deposit Ratio | 91.29% | 91.55% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | North Valley Bank | Union Savings and Loan Association |
|---|---|---|
| Headquarters City | THORNTON | CONNERSVILLE |
| Headquarters State | CO | IN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 704369 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 34 | 55 |
| Established | Feb. 25, 1963, midnight | Aug. 1, 1937, 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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