North Valley Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 1.15 percentage points higher than in Q1 2026, at 39.48%. Within Ohio, North Valley Bank is 59th of 156 on loan-to-deposit ratio, 87.07% as of Q2 2026, above the middle of the field. North Valley Bank reported 87.07% on loan-to-deposit ratio for Q2 2026, 6.23 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $326.4M |
| Net loans and leases | $324.0M |
| Loans held for sale | $2.3M |
| Loans to total assets | 76.46% |
| Loan-to-deposit ratio | 87.07% |
| Net loans to equity capital | 6.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.47% |
| Multifamily (5+ residential) | 5.38% |
| Commercial and industrial | 5.24% |
| Consumer | 3.53% |
| Credit cards | 0.00% |
| Farm | 4.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 178.12% |
| Construction concentration (Tier 1 capital + allowance) | 39.48% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.63% |
| Interest income on loans | $5.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $246.3M | $282.9M | 37.54% | 4.97% | 3.94% |
| Q4 2023 | $247.2M | $266.3M | 36.91% | 5.28% | 3.81% |
| Q1 2024 | $247.6M | $263.0M | 35.65% | 4.72% | 3.79% |
| Q2 2024 | $257.7M | $277.6M | 36.38% | 4.85% | 3.79% |
| Q3 2024 | $263.6M | $283.4M | 36.19% | 4.96% | 3.80% |
| Q4 2024 | $314.3M | $367.9M | 32.86% | 4.92% | 3.77% |
| Q1 2025 | $305.8M | $360.8M | 31.18% | 4.30% | 3.64% |
| Q2 2025 | $307.5M | $375.5M | 31.88% | 4.33% | 3.69% |
| Q3 2025 | $311.7M | $376.3M | 32.74% | 4.51% | 3.73% |
| Q4 2025 | $318.0M | $358.2M | 32.42% | 5.16% | 3.63% |
| Q1 2026 | $319.7M | $363.7M | 34.92% | 5.05% | 3.46% |
| Q2 2026 | $326.4M | $374.9M | 34.47% | 5.24% | 3.53% |
North Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock North Valley Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full North Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2284) · FFIEC NIC profile (RSSD 783910)