North Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks North Valley Bank of Thornton, CO against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.93% | 1.34% | +1.59% | 97th top |
| ROAE | 21.90% | 13.32% | +8.58% | 92nd top |
| Net Interest Margin | 5.40% | 3.93% | +1.47% | 97th top |
| Efficiency Ratio | 45.35% | 61.13% | -15.78% | 89th top |
| PPNR / Avg Assets | 2.96% | 1.68% | +1.28% | 95th top |
| Yield on Earning Assets | 7.42% | 5.67% | +1.75% | 98th top |
| Cost of Funds | 2.28% | 1.88% | +0.40% | 22nd bottom |
| Net Interest Spread | 4.70% | 3.32% | +1.38% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.53% | 0.94% | -0.41% | 44th below |
| NPA / Total Assets | 1.71% | 0.70% | +1.01% | 10th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 45th below |
| ACL / Total Loans | 1.50% | 1.28% | +0.22% | 78th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 282.94% | 1546.48% | -1263.54% | 58th above |
| Texas Ratio | 11.87% | 7.34% | +4.53% | 18th bottom |
| Provision / NCO | 2666.67% | 1394.36% | +1272.31% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.52% | 12.14% | +1.38% | 78th top |
| Equity / Assets | 13.13% | 11.36% | +1.77% | 79th top |
| TCE / Tangible Assets | 13.13% | 11.08% | +2.05% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.18% | 80.65% | +28.53% | 4th bottom |
| Core Deposit Ratio | 90.61% | 86.85% | +3.76% | 58th above |
| Wholesale Funding Ratio | 6.33% | 5.03% | +1.30% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.41% | 6.84% | -5.43% | 28th below |
| Loan Growth (Y/Y) | -0.22% | 7.92% | -8.14% | 22nd bottom |
| Deposit Growth (Y/Y) | 1.07% | 6.29% | -5.22% | 30th below |
See North Valley Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock North Valley Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full North Valley Bank profile, how to read a UBPR, or how this data updates.