Tri-Valley Bank
BankRegReports is independent of Tri-Valley Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Tri-Valley Bank is an FDIC-insured commercial bank headquartered in Randolph, IA, established in 1917 (FDIC certificate 12417), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $82.8M, down 3.2% from Q2 2025, the 201st largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.25% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12417
- Headquarters
- Randolph, IA
- Established
- 1917
- Total assets, Q2 2026
- $82.8M
- Assets vs Q2 2025
- -3.2%
- Tier 1 leverage ratio, Q2 2026
- 9.25%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 073919270
- Latest call report
- Q2 2026, FFIEC 051 · Tri-Valley Bank call report
- Asset rank in state
- 201st of 225 in Iowa
Tri-Valley Bank, based in Randolph, Iowa, reported $83 million in assets at June 30, 2026, down 3.2% from a year earlier. It carries problem assets equal to 32.7% of the capital and reserves that would absorb them, 23.7 times the median of 1.4% for the 583 banks with less than $100 million in assets. It also funds 9.25% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 4.09% of loans, down from 5.93% a year earlier. The non-owner-occupied commercial real estate book ($5.2 million) is worsening: 12.46% of it is past due or on nonaccrual, up from 8.29% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 0.9 times its capital, about triple the median of 26% for banks its size.
As of June 30, 2026, Tri-Valley Bank reported a return on assets of 0.55%, a nonperforming-loan ratio of 4.09% and a Texas ratio of 32.72%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Tri-Valley Bank is the 201st largest of the 225 banks headquartered in Iowa. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $82.8M, loans fell 3.7% and deposits rose 1.3%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 31.7% of total loans, ahead of farmland and other real estate loans at 20.0%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities across 2 states; its Randolph office books 69% of its branch deposits. By the capital ratios in its Q2 2026 call report, Tri-Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 S Main St, Randolph, IA 51649
- County
- Fremont
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1917
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $77.4M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $211K
- Average total assets
- $82.6M
- Average total loans
- $49.5M
- Average interest-bearing deposits
- $57.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12417
- Fed RSSD
- 404943
- Website
- www.tri-valleycenters.com →
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, Tri-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, Tri-Valley Bank's total assets ranged from $76.8M (Q3 2023) to $86.6M (Q1 2025), and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$82.8M total assets against $85.5M; $77.7M total liabilities against $80.4M.
$48.4M net loans and leases against $49.6M; $77.4M total deposits against $80.1M.
$18.5M securities against $21.5M; $13.2M cash and balances due against $10.6M.
$1.0M total interest income against $889K; $243K total interest expense against $335K.
$780K net interest income against $554K.
$88K total noninterest income against $49K; $706K total noninterest expense against $774K.
$35K provision for credit losses against $800K.
$113K net income against -$909K.
0.55% return on assets against -4.24%; 4.10% net interest margin against 2.67%.
9.25% tier 1 leverage ratio against 8.65%.
Inside the full Tri-Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -4.24% (Q2 2025) to 0.60% (Q1 2025) and its net interest margin ran from 2.67% (Q2 2025) to 4.14% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.25% | 0.55% | 4.09% | 32.72% | 4.10% |
| Q1 2026 | 9.24% | -0.20% | 3.94% | 34.73% | 4.10% |
| Q4 2025 | 9.11% | -0.11% | 4.20% | 39.41% | 4.14% |
| Q3 2025 | 9.18% | 0.27% | 4.48% | 37.93% | 3.85% |
| Q2 2025 | 8.65% | -4.24% | 5.93% | 49.65% | 2.67% |
| Q1 2025 | 9.37% | 0.60% | 0.18% | 1.30% | 3.60% |
| Q4 2024 | 9.62% | 0.45% | 0.12% | 0.98% | 3.84% |
| Q3 2024 | 10.07% | -0.18% | 0.17% | 1.33% | 4.07% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Tri-Valley Bank (main office) | Randolph , IA | 51649 | $53.5M |
| Essex Banking Center | Essex , IA | 51638 | $14.9M |
| Nebraska City Branch | Nebraska City , NE | 68410 | $6.1M |
| Glenwood Branch | Glenwood , IA | 51534 | $2.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 226 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $2.5M approved, $1.3M average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Tri-Valley Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Tri-Valley Bank
What are Tri-Valley Bank's total assets?
As of the Q2 2026 filing, Tri-Valley Bank reported total assets of $82.8 million in its FFIEC call report.
Where is Tri-Valley Bank headquartered?
It is headquartered in Randolph, IA, United States.
When was Tri-Valley Bank founded?
It was established in 1917, per the FDIC institution directory.
Is Tri-Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12417). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tri-Valley Bank?
Tri-Valley Bank's primary federal regulator is the FDIC.
How many branches does Tri-Valley Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Tri-Valley Bank's Texas Ratio?
Its Texas Ratio is 32.72% 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 Tri-Valley Bank.
Get an email when Tri-Valley Bank files its next call report, and benchmark it against any peer you choose.
Unlock Tri-Valley Bank, freeFree account