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 Zanesville, OH against its peer group of 2672 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 | 1.07% | 1.34% | -0.27% | 37th below |
| ROAE | 9.94% | 13.32% | -3.38% | 35th below |
| Net Interest Margin | 4.47% | 3.93% | +0.54% | 78th top |
| Efficiency Ratio | 71.95% | 61.13% | +10.82% | 24th bottom |
| PPNR / Avg Assets | 1.34% | 1.68% | -0.34% | 35th below |
| Yield on Earning Assets | 6.08% | 5.67% | +0.41% | 72nd above |
| Cost of Funds | 1.69% | 1.88% | -0.19% | 57th above |
| Net Interest Spread | 3.89% | 3.32% | +0.57% | 79th 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. | 0.68% | 0.94% | -0.26% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.52% | 0.70% | -0.18% | 37th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 37th below |
| ACL / Total Loans | 0.75% | 1.28% | -0.53% | 9th bottom |
| ACL / NPLs (Coverage) | 109.48% | 1539.32% | -1429.84% | 30th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.24% | 7.33% | -2.09% | 40th below |
| Provision / NCO | -46.75% | 1396.40% | -1443.15% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.05% | 12.14% | -2.09% | 33rd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.88% | 11.37% | -0.49% | 58th above |
| TCE / Tangible Assets | 9.53% | 11.09% | -1.56% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.07% | 80.63% | +6.44% | 35th below |
| Core Deposit Ratio | 97.36% | 86.86% | +10.50% | 94th top |
| Wholesale Funding Ratio | 0.82% | 5.04% | -4.22% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.06% | 6.85% | -6.91% | 19th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.14% | 7.90% | -1.76% | 55th above |
| Deposit Growth (Y/Y) | -0.16% | 6.29% | -6.45% | 22nd bottom |
See North Valley Bank's peers by name
The 2672 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.