North Valley Bank
North Valley Bank is a locally rooted FDIC-insured community bank based in Thornton, CO, during the postwar banking-system expansion. The Q1 2026 balance sheet stands at $262M in assets, including $229M in loans. Returns are notably above industry norms: 2.84% ROA, 21.06% ROE, and 5.47% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.59% exceeds the 9% CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.00%. It operates 2 branches, primarily in Colorado.
Headquarters Profile
- Address
- 9001 Washington St, THORNTON, CO 80229
- County
- Adams
- Metro Area
- DENVER-AURORA-CENTENNIAL, CO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- February 25, 1963
- Branches
- 2 domestic
- Employees (FTE)
- 34
- FDIC Cert
- 18710
- Fed RSSD
- 350750
- Website
- www.nvbank.bank →
- Parent Holding Company
- CITIZENS INVESTMENT COMPANY (RSSD 1050226)
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
North Valley Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about North Valley Bank
What are North Valley Bank's total assets?
As of the Q1 2026 filing, North Valley Bank reported total assets of $262.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is North Valley Bank headquartered?
North Valley Bank is headquartered in THORNTON, CO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was North Valley Bank founded?
North Valley Bank was established in 1963, per the FDIC institution directory.
Is North Valley Bank FDIC-insured?
Yes. North Valley Bank is an FDIC-insured commercial bank (FDIC Certificate #18710). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North Valley Bank?
North Valley Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does North Valley Bank operate?
North Valley Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is North Valley Bank's Texas Ratio?
North Valley Bank's Texas Ratio is 7.86% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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