North Valley Bank
Total assets
$426.9M
▼ -0.1% YoY
Deposits
$374.9M
▼ -0.2% YoY
Loans
$324.0M
▲ +6.2% YoY
Offices
10
NORTH VALLEY BANCSHARES INC
ROA (annualized)
1.04%
peers 1.24%
ROE (annualized)
9.49%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | North Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | -0.2% | +4.0% | -4.1 pts |
| Loan growth (YoY) | +6.2% | +5.6% | +0.6 pts |
| ROA | 1.04% | 1.24% | -0.2 pts |
| ROE | 9.5% | 11.9% | -2.4 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
Profile
- Established
- 1904
- Charter
- State
- Primary regulator
- FED
- Holding company
- NORTH VALLEY BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 2775 Maysville Pike, Zanesville, OH, 43701
- County
- Muskingum
- Metro area
- Zanesville, OH
- Offices
- 10
- FDIC cert #
- 2284
- RSSD ID
- 783910
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $426.9M | $374.9M | $324.0M | $46.4M | $2.2M | 1.04% | 4.53% | 0.52% |
| Q1 2026 | $414.6M | $363.7M | $317.3M | $45.6M | $1.0M | 1.00% | 4.47% | 0.62% |
| Q4 2025 | $409.3M | $358.2M | $315.4M | $45.2M | $3.7M | 0.89% | 4.26% | 0.70% |
| Q3 2025 | $426.0M | $376.3M | $309.1M | $44.3M | $2.7M | 0.86% | 4.16% | 0.68% |
| Q2 2025 | $427.1M | $375.5M | $305.0M | $43.1M | $1.8M | 0.86% | 4.14% | 0.76% |
| Q1 2025 | $411.4M | $360.8M | $303.3M | $42.2M | $927K | 0.90% | 4.15% | 0.81% |
| Q4 2024 | $415.4M | $367.9M | $311.8M | $39.0M | $1.5M | 0.44% | 3.93% | 0.85% |
| Q3 2024 | $328.3M | $283.4M | $261.1M | $32.4M | $1.5M | 0.62% | 3.90% | 0.88% |
Loan mix (Q2 2026): real estate $295.5M · commercial $17.1M · consumer $11.5M · securities $43.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | North Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.96% | 79th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 62.9% | 76th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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