North Valley Bank (Zanesville, OH)
BankRegReports is independent of North Valley Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
North Valley Bank is an FDIC-insured commercial bank headquartered in Zanesville, OH, established in 1904 (FDIC certificate 2284), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $426.9M, down 0.1% from Q2 2025, the 60th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.05% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 2284
- Headquarters
- Zanesville, OH
- Established
- 1904
- Total assets, Q2 2026
- $426.9M
- Assets vs Q2 2025
- -0.1%
- Tier 1 leverage ratio, Q2 2026
- 10.05%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 044109297
- Latest call report
- Q2 2026, FFIEC 051 · North Valley Bank call report
- Holding company
- NORTH VALLEY BANCSHARES, INC.
- Asset rank in state
- 60th of 154 in Ohio
Little in North Valley Bank's latest call report stands out. The Zanesville, Ohio bank had $427 million in assets at June 30, 2026. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $1.1 million, 31% above the same quarter a year earlier. Over the same year, loans grew 6.1% and deposits shrank 0.2%. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, North Valley Bank reported a return on assets of 1.07%, a nonperforming-loan ratio of 0.68% and a Texas ratio of 1.26%. The figures come from its call report filed with the FFIEC.
North Valley Bank ranks as the 60th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.0% to $426.9M, loans rose 2.1% and deposits rose 3.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 41.1% of total loans, ahead of owner-occupied commercial real estate loans at 21.3%. The FDIC Summary of Deposits lists 10 offices for it, in 8 cities in OH; its Zanesville 3 offices book 37% 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
- 2775 Maysville Pike, Zanesville, OH 43701
- County
- Muskingum
- Metro Area
- Zanesville, OH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 4, 1904
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 98
- Domestic deposits
- $374.9M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $77K
- Average total assets
- $428.1M
- Average total loans
- $322.2M
- Average interest-bearing deposits
- $288.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2284
- Fed RSSD
- 783910
- SEC CIK
- 1502209 → filed by NORTH VALLEY BANCSHARES, INC.
- Website
- www.nvboh.bank →
- Parent Holding Company
- NORTH VALLEY BANCSHARES, INC. (RSSD 3264193)
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 $310.9M (Q1 2024) to $427.1M (Q2 2025), 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
$426.9M total assets against $427.1M; $380.4M total liabilities against $384.0M.
$324.0M net loans and leases against $305.0M; $374.9M total deposits against $375.5M.
$43.8M securities against $46.4M; $26.6M cash and balances due against $42.4M.
$6.0M total interest income against $5.6M; $1.6M total interest expense against $1.7M.
$4.4M net interest income against $4.0M.
$735K total noninterest income against $641K; $3.7M total noninterest expense against $3.5M.
$0 provision for credit losses against -$20K.
$1.1M net income against $870K.
1.07% return on assets against 0.84%; 4.47% net interest margin against 4.21%.
10.05% tier 1 leverage ratio against 9.67%.
Inside the full North Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNorth Valley Bank rankings
Its closest position to the top of a national ranking is 1,962 of 4,196, for total assets; its furthest is 2,877 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.00% (Q4 2024) to 1.07% (Q2 2026) and its net interest margin ran from 3.85% (Q3 2024) to 4.47% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.05% | 1.07% | 0.68% | 1.26% | 4.47% |
| Q1 2026 | 10.35% | 1.01% | 0.80% | 2.05% | 4.46% |
| Q4 2025 | 9.86% | 0.97% | 0.90% | 2.54% | 4.40% |
| Q3 2025 | 9.76% | 0.87% | 0.93% | 2.67% | 4.24% |
| Q2 2025 | 9.67% | 0.84% | 1.06% | 3.45% | 4.21% |
| Q1 2025 | 9.62% | 0.91% | 1.09% | 3.56% | 4.21% |
| Q4 2024 | 9.55% | 0.00% | 1.13% | 4.54% | 4.09% |
| Q3 2024 | 10.46% | 0.51% | 1.10% | 2.71% | 3.85% |
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 |
|---|---|---|---|
| North Valley Bank (main office) | Zanesville , OH | 43701 | $88.0M |
| Somerset Branch | Somerset , OH | 43783 | $86.8M |
| Buckeye Lake Branch | Buckeye Lake , OH | 43008 | $43.0M |
| Maple Office Branch | Zanesville , OH | 43701 | $42.9M |
| Millersport Branch | Millersport , OH | 43046 | $39.8M |
| Morgan County Office | Malta , OH | 43758 | $33.5M |
| New H0Lland Branch | New Holland , OH | 43145 | $17.1M |
| Mount Sterling Branch | Mount Sterling , OH | 43143 | $9.8M |
| Business Banking Office | Zanesville , OH | 43701 | $8.3M |
| Hebron Oh Branch | Hebron , OH | 43025 | $5.7M |
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 |
|---|---|---|---|
| October 26, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 26, 2024 | Structure Change | Acquired Commodore Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 3, 2001 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 3, 2001 | Structure Change | Acquired The Malta National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 2 against individuals associated with it
- July 15, 1996, Federal Reserve: Written Agreement: The Bank of Corning, Corning, OH (Now known as North Valley Bank, Zanesville, Ohio)
- Period: Most recent institution action July 15, 1996. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 72 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 8 loans, $8.8M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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
Add this badge to your website
Free to use. It shows North Valley Bank’s latest filed figures and updates each quarter.
Similar banks
Compare North Valley Bank with peers
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 $426.9 million in its FFIEC call report.
Where is North Valley Bank headquartered?
It is headquartered in Zanesville, OH, United States.
When was North Valley Bank founded?
It was established in 1904, per the FDIC institution directory.
Is North Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2284). 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 Federal Reserve.
How many branches does North 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 North Valley Bank's Texas Ratio?
Its Texas Ratio is 1.26% 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.
Go deeper on North Valley Bank.
Get an email when North Valley Bank files its next call report, and benchmark it against any peer you choose.
Unlock North Valley Bank, freeFree account