Bank Comparison
Western National Bank vs North Valley Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Western National Bank | North Valley Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.24% | 13.59% |
| Equity / Assets | 9.31% | 13.22% |
Profitability
| Metric | Western National Bank | North Valley Bank |
|---|---|---|
| Return on Assets (ROA) | 1.49% | 2.84% |
| Return on Equity (ROE) | 15.95% | 21.06% |
| Net Interest Margin (NIM) | 3.95% | 5.47% |
| Yield on Earning Assets | 5.73% | 7.46% |
| Cost of Funds | 1.89% | 2.20% |
Asset quality
| Metric | Western National Bank | North Valley Bank |
|---|---|---|
| Texas Ratio | 0.19% | 7.86% |
| Non-Performing Loan Ratio | 0.02% | 0.00% |
| Non-Performing Asset Ratio | 0.02% | 1.14% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.17% | 1.53% |
Balance sheet
| Metric | Western National Bank | North Valley Bank |
|---|---|---|
| Total Assets | $261,777K | $261,989K |
| Total Deposits | $236,421K | $209,184K |
| Total Loans | $200,199K | $228,513K |
| Total Equity | $24,367K | $34,631K |
| Net Income (quarter) | $959 | $1,810K |
Liquidity & funding
| Metric | Western National Bank | North Valley Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.68% | 109.24% |
| Core Deposit Ratio | 91.86% | 91.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Western National Bank | North Valley Bank |
|---|---|---|
| Headquarters City | CHESTER | THORNTON |
| Headquarters State | NE | CO |
| Asset Tier | Small | Small |
| Charter Class | 10971 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 12 | 2 |
| Employees (FTE) | 41 | 34 |
| Established | April 7, 1917, midnight | Feb. 25, 1963, 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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