| Metric | North Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -3.0 pts |
| Deposit growth (YoY) | +1.1% | +4.0% | -2.9 pts |
| Loan growth (YoY) | -0.2% | +5.6% | -5.8 pts |
| ROA | 2.82% | 1.24% | +1.6 pts |
| ROE | 21.5% | 11.9% | +9.6 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $268.6M | $215.2M | $231.5M | $35.3M | $3.7M | 2.82% | 5.41% | 1.71% |
| Q1 2026 | $262.0M | $209.2M | $225.0M | $34.6M | $1.8M | 2.77% | 5.42% | 1.14% |
| Q4 2025 | $260.4M | $214.9M | $227.2M | $34.1M | $7.8M | 2.99% | 5.62% | 1.15% |
| Q3 2025 | $259.0M | $210.0M | $227.5M | $33.7M | $6.0M | 3.10% | 5.64% | 1.38% |
| Q2 2025 | $264.9M | $212.9M | $231.9M | $33.2M | $4.1M | 3.19% | 5.60% | 1.35% |
| Q1 2025 | $261.8M | $214.7M | $228.1M | $32.6M | $2.1M | 3.24% | 5.66% | 1.37% |
| Q4 2024 | $250.5M | $206.4M | $222.5M | $31.9M | $7.2M | 2.86% | 5.26% | 1.43% |
| Q3 2024 | $256.3M | $209.8M | $224.5M | $31.4M | $5.3M | 2.79% | 5.20% | 0.00% |
Loan mix (Q2 2026): real estate $233.2M · commercial $664K · consumer $153K · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | North Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.82% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 21.5% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.41% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.0% | 62.9% | 10th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | North Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | North Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | North Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | North Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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