The Nodaway Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
The Nodaway Valley Bank is an FDIC-insured commercial bank headquartered in Maryville, MO, established in 1868 (FDIC certificate 8904), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.62B, up 7.8% from Q2 2025, the 23rd largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 15.26% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8904
- Headquarters
- Maryville, MO
- Established
- 1868
- Total assets, Q2 2026
- $1.62B
- Assets vs Q2 2025
- +7.8%
- CET1 ratio, Q2 2026
- 15.26%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 101201863
- Latest call report
- Q2 2026, FFIEC 051 · The Nodaway Valley Bank call report
- Holding company
- NODAWAY VALLEY BANCSHARES, INC.
- Asset rank in state
- 23rd of 191 in Missouri
The Nodaway Valley Bank is one of the more profitable banks of its size. Its balance sheet stood at $1.6 billion at June 30, 2026, up 7.8% from a year earlier; it is based in Maryville, Missouri. It earns about $2.22 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 3.6%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $61 million equal 31% of Tier 1 capital, down from 38% a year earlier. Deposits are coming in faster than loans: over the year loans rose 5.1% and deposits rose 9.3%.
As of June 30, 2026, The Nodaway Valley Bank reported a CET1 capital ratio of 15.26%, a return on assets of 2.22%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, The Nodaway Valley Bank is the 23rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.1% to $1.62B, loans rose 0.8% and deposits fell 1.4%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 26.5% of total loans, ahead of farmland and other real estate loans at 16.2%. The FDIC Summary of Deposits lists 10 offices for it, in 7 cities in MO; its St. Joseph 3 offices book 32% of its branch deposits. Judged on its Q2 2026 call report, The Nodaway Valley Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 304 N Main St, Maryville, MO 64468
- County
- Nodaway
- Metro Area
- Maryville, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 12, 1868
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 170
- Domestic deposits
- $1.40B
- Allowance for credit losses
- $13.0M
- Net charge-offs (YTD)
- -$223K
- Average total assets
- $1.69B
- Average total loans
- $1.04B
- Average interest-bearing deposits
- $1.03B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8904
- Fed RSSD
- 770657
- Website
- www.nvb.com →
- Parent Holding Company
- NODAWAY VALLEY BANCSHARES, INC. (RSSD 1066414)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Nodaway Valley Bank's total assets moved between a low of $1.34B (Q3 2023) and a high of $1.65B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.62B total assets against $1.50B; $1.47B total liabilities against $1.38B.
$1.02B net loans and leases against $973.8M; $1.40B total deposits against $1.28B.
$379.2M securities against $393.7M; $137.3M cash and balances due against $61.1M.
$21.4M total interest income against $19.4M; $5.0M total interest expense against $4.3M.
$16.4M net interest income against $15.1M.
$3.4M total noninterest income against $3.2M; $10.2M total noninterest expense against $9.0M.
$173K provision for credit losses against $157K.
$9.4M net income against $9.1M.
2.22% return on assets against 2.36%; 4.02% net interest margin against 4.05%.
15.26% CET1 capital ratio against 14.50%; 11.56% tier 1 leverage ratio against 11.45%.
Inside the full The Nodaway Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Nodaway Valley Bank rankings
Its closest position to the top of a national ranking is 298 of 3,611, for ROA; its furthest is 3,360 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.85% (Q4 2024) to 2.36% (Q2 2025) and its net interest margin ran from 3.90% (Q3 2024) to 4.16% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.26% | 2.22% | 0.00% | 0.00% | 4.02% |
| Q1 2026 | 15.04% | 2.05% | 0.01% | 0.06% | 3.92% |
| Q4 2025 | 14.85% | 1.99% | 0.00% | 0.03% | 4.13% |
| Q3 2025 | 15.12% | 2.26% | 0.00% | 0.03% | 4.16% |
| Q2 2025 | 14.50% | 2.36% | 0.05% | 0.38% | 4.05% |
| Q1 2025 | 14.59% | 1.92% | 0.03% | 0.26% | 3.90% |
| Q4 2024 | 14.94% | 1.85% | 0.03% | 0.29% | 3.96% |
| Q3 2024 | 14.47% | 2.24% | 0.09% | 0.80% | 3.90% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Nodaway Valley Bank | Maryville , MO | 64468 | $412.4M |
| Riverside Branch | Saint Joseph , MO | 64507 | $236.9M |
| Cook Road Branch | St. Joseph , MO | 64504 | $213.0M |
| Belt and Faraon Branch | St. Joseph , MO | 64506 | $155.3M |
| Savannah Branch | Savannah , MO | 64485 | $90.3M |
| The Nodaway Valley Bank-Platte City Branch | Platte City , MO | 64079 | $83.9M |
| King Hill Branch | St. Joseph , MO | 64504 | $83.6M |
| Mound City Branch | Mound City , MO | 64470 | $62.4M |
| Smithville Branch | Smithville , MO | 64089 | $59.5M |
| Nodaway Valley South Drive Through | Maryville , MO | 64468 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 25, 2007 | Structure Change | Acquired Exchange Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 22, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 22, 2003 | Structure Change | Acquired The Heritage Bank of St. Joseph Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 16, 1990 | Structure Change | Acquired Blue Valley Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 6, 1989 | Structure Change | Acquired 102 Valley Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 5, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in MO, rank 31 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 406 applications, 333 loans originated, $72.5M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $608K approved, $608K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Nodaway Valley Bank
What are The Nodaway Valley Bank's total assets?
As of the Q2 2026 filing, The Nodaway Valley Bank reported total assets of $1.62 billion in its FFIEC call report.
Where is The Nodaway Valley Bank headquartered?
It is headquartered in Maryville, MO, United States.
When was The Nodaway Valley Bank founded?
It was established in 1868, per the FDIC institution directory.
Is The Nodaway Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8904). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Nodaway Valley Bank?
The Nodaway Valley Bank's primary federal regulator is the FDIC.
What is The Nodaway Valley Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.26% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Nodaway Valley Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Nodaway Valley Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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