North Valley Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 13.11 percentage points higher than in Q1 2026, at 109.48%. Within Ohio, North Valley Bank is 77th of 156 on return on assets, 1.07% as of Q2 2026, above the middle of the field. North Valley Bank reported 1.07% on return on assets for Q2 2026, 0.19 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.05% |
| Equity capital to assets | 10.88% |
| Tangible equity to tangible assets | 9.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.68% |
| Non-performing assets ratio | 0.52% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 5.24% |
| Allowance for credit losses to loans | 0.75% |
| Reserve coverage of non-performing loans | 109.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 9.94% |
| Net interest margin | 4.47% |
| Efficiency ratio | 71.95% |
| Yield on earning assets | 6.08% |
| Cost of funds | 1.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.07% |
| Core deposits to total deposits | 97.36% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.81% |
| Securities to assets | 10.26% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.27% | 0.41% | 3.77% | 2.23% | 0.11% |
| Q4 2023 | 10.43% | 0.61% | 4.14% | 1.44% | 0.19% |
| Q1 2024 | 10.61% | 0.66% | 3.87% | 1.05% | -0.00% |
| Q2 2024 | 10.54% | 0.66% | 3.80% | 0.96% | 0.00% |
| Q3 2024 | 10.46% | 0.51% | 3.85% | 1.10% | 0.00% |
| Q4 2024 | 9.55% | 0.00% | 4.09% | 1.13% | 0.01% |
| Q1 2025 | 9.62% | 0.91% | 4.21% | 1.09% | 0.02% |
| Q2 2025 | 9.67% | 0.84% | 4.21% | 1.06% | -0.03% |
| Q3 2025 | 9.76% | 0.87% | 4.24% | 0.93% | -0.00% |
| Q4 2025 | 9.86% | 0.97% | 4.40% | 0.90% | -0.00% |
| Q1 2026 | 10.35% | 1.01% | 4.46% | 0.80% | 0.08% |
| Q2 2026 | 10.05% | 1.07% | 4.47% | 0.68% | 0.01% |
North Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock North Valley Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)