North Valley Bank (Thornton, CO)
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Data as of · sourced from FFIEC call reports. How we update
North Valley Bank is an FDIC-insured commercial bank headquartered in Thornton, CO, established in 1963 (FDIC certificate 18710), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $268.6M, up 1.4% from Q2 2025, the 38th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.52% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18710
- Headquarters
- Thornton, CO
- Established
- 1963
- Total assets, Q2 2026
- $268.6M
- Assets vs Q2 2025
- +1.4%
- Tier 1 leverage ratio, Q2 2026
- 13.52%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 107005076
- Latest call report
- Q2 2026, FFIEC 051 · North Valley Bank call report
- Holding company
- CITIZENS INVESTMENT COMPANY
- Asset rank in state
- 38th of 63 in Colorado
North Valley Bank is one of the more profitable banks of its size. The Thornton, Colorado bank had $269 million in assets at June 30, 2026, up 1.4% from a year earlier. It earns about $2.93 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.40 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 45 cents to bring in each dollar of revenue.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.53% of loans from 1.51%. Its $59 million non-owner-occupied commercial real estate book is now fully current, after 5.48% of it was past due or on nonaccrual a year earlier. Credit is the area to watch: it carries problem assets equal to 11.9% of the capital and reserves that would absorb them, 4.5 times the median of 2.6% for banks its size.
As of June 30, 2026, North Valley Bank reported a return on assets of 2.93%, a nonperforming-loan ratio of 0.53% and a Texas ratio of 11.87%. The figures come from its call report filed with the FFIEC.
North Valley Bank ranks as the 38th largest of the 63 banks based in Colorado, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.5% to $268.6M, loans rose 2.8% and deposits rose 2.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 38.3% of total loans, followed by non-owner-occupied commercial real estate loans at 25.2%. Its 2 offices in the FDIC Summary of Deposits are in Thornton, CO and Broomfield, CO; its Thornton office books 91% of its branch deposits. By the capital ratios in its Q2 2026 call report, North Valley Bank meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 25, 1963
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $215.2M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $261.0M
- Average total loans
- $234.8M
- Average interest-bearing deposits
- $173.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 25, 1963
- FDIC Cert
- 18710
- Fed RSSD
- 350750
- Website
- www.nvbank.bank →
- Parent Holding Company
- CITIZENS INVESTMENT COMPANY (RSSD 1050226)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, North Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, North Valley Bank's total assets ranged from $247.2M (Q2 2024) to $268.6M (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
$268.6M total assets against $264.9M; $233.4M total liabilities against $231.7M.
$231.5M net loans and leases against $231.9M; $215.2M total deposits against $212.9M.
$0 securities against $0; $28.5M cash and balances due against $28.5M.
$4.7M total interest income against $4.9M; $1.3M total interest expense against $1.4M.
$3.4M net interest income against $3.5M.
$109K total noninterest income against $107K; $1.6M total noninterest expense against $1.5M.
$20K provision for credit losses against $100K.
$1.9M net income against $2.1M.
2.93% return on assets against 3.20%; 5.40% net interest margin against 5.56%.
13.52% tier 1 leverage ratio against 12.91%.
Inside the full North Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
North Valley Bank rankings
Its closest position to the top of a national ranking is 78 of 3,611, for ROA; its furthest is 2,611 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.74% (Q4 2025) to 3.34% (Q3 2024) and its net interest margin ran from 5.32% (Q4 2024) to 5.69% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.52% | 2.93% | 0.53% | 11.87% | 5.40% |
| Q1 2026 | 13.59% | 2.84% | 0.00% | 7.86% | 5.47% |
| Q4 2025 | 13.42% | 2.74% | 0.00% | 7.98% | 5.57% |
| Q3 2025 | 13.12% | 2.92% | 1.54% | 9.50% | 5.66% |
| Q2 2025 | 12.91% | 3.20% | 1.51% | 9.69% | 5.56% |
| Q1 2025 | 12.78% | 3.26% | 1.54% | 9.92% | 5.58% |
| Q4 2024 | 12.62% | 3.04% | 1.59% | 10.15% | 5.32% |
| Q3 2024 | 12.80% | 3.34% | 0.00% | 0.00% | 5.69% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| North Valley Bank (main office) | Thornton , CO | 80229 | $195.7M |
| Broomfield Town Centre Branch | Broomfield , CO | 80020 | $19.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in CO, rank 69 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $195K approved, $195K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 North Valley Bank
What are North Valley Bank's total assets?
As of the Q2 2026 filing, North Valley Bank reported total assets of $268.6 million in its FFIEC call report.
Where is North Valley Bank headquartered?
It is headquartered in Thornton, CO, United States.
When was North Valley Bank founded?
It was established in 1963, per the FDIC institution directory.
Is North Valley Bank FDIC-insured?
Yes. It 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.
How many branches does North Valley Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is North Valley Bank's Texas Ratio?
Its Texas Ratio is 11.87% 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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