North Valley Bank

Headquarters

9001 North Washington Street
Thornton, CO 80229
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 2.55% →
1-Year CD 0.40% 2.80% →
2-Year CD 0.70% 3.20% →
5-Year CD 1.00% 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

North Valley Bank is an FDIC insured institution located in Thornton, CO. It was founded in 1963 and has approximately $0.23 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 18710
Date Established 1963
Assets $ 229.17 million
Loans $ 186.05 million
Deposits $ 201.66 million
Capital $ 25.72 million
 

For a more detailed analysis of North Valley Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 10, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.45% $10,000 $14,999 Learn More
18 Mo CD
0.45% $100,000 $199,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.70% $100,000 $199,999 Learn More
30 Mo CD
0.85% $10,000 $14,999 Learn More
30 Mo CD
0.85% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - August 10, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for North Valley Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 413-0477
4.858% 4.750%
0.88 points
$3,132 fees
$1,305 Learn More
Better.com
NMLS ID: 330511
5.329% 5.250%
0.88 points
$2,208 fees
$1,381 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 4.990 %
After Intro: 6.250 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to North Valley Bank
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Branches

North Valley Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


North Valley Bank Locations



Climate Initiatives

North Valley Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

North Valley Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of North Valley Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
North Valley Bank U.S. Bank Average
0% 4.01%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2022, North Valley Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $25,722,000 in equity and $2,477,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
North Valley Bank U.S. Bank Average
21.08% 9.01%

North Valley Bank has a Return on Equity of 21.08% versus the BestCashCow average of 9.01%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
North Valley Bank U.S. Bank Average
11.22% 10.66%

North Valley Bank has a Capitalization of 11.22% versus the BestCashCow average of 10.66. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

North Valley Bank Balance Sheet Analysis

As of March 31, 2022, North Valley Bank had assets of $229,171,000, loans of $186,050,000, and deposits of $201,655,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2022
ASSETS
Cash & Balances due from depository institutions $ 36.53 million
Interest-bearing balances $ 34.00 million
Total securities $ 2.00 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 186.05 million
Loan loss allowance $ 2.48 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 2.05 million
     Total Assets $ 203.45 million
LIABILITIES
Total deposits $ 201.66 million
      Interest-bearing deposits $ 141.08 million
      Deposits held in domestic offices $ 201.66 million
      % insured (estimated) 74.52%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 1.50 million
Subordinated debt N.A.
All other liabilities $ 0.29 million
      Total Liabilities $ 203.45 million
      Shareholders’ Equity $ 25.72 million

Summary Income Statement

March 31, 2022
INCOME AND EXPENSES
Total Interest Income $ 2.64 million
Total Interest Expense $ 0.06 million
Net interest income $ 2.58 million
Provision for loan and lease losses $ 0.15 million
Total non interest income $ 0.12 million
Total non interest expense $ 1.21 million
Pre-tax Net Operating Income $ 1.34 million

Bank Loan Profile?

The top three loan types in North Valley Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Multifamily Mortgages.

Compared to other banks in Colorado, North Valley Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 40.02
Multifamily
Mortgages
6.02
Credit Card Loans 0.00
Consumer Auto Loans 0.03
Small Business Loans 0.00
Construction and Development Loans 5.17
Commercial Real Estate 48.78
Commercial and Industrial Loans 0.96
Farm Loans 0.00

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