North Valley Bank

Headquarters

1327 South Street
Redding, CA 96001
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

North Valley Bank is an FDIC insured institution located in Redding, CA. It was founded in 1973 and has approximately $0.92 billion in assets.

FDIC Insured Yes
FDIC Certificate # 20959
Date Established 1973
Assets $ 921.80 million
Loans $ 506.04 million
Deposits $ 789.24 million
Capital $ 116.06 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 - October 25, 2020

Your Current Location: Washington, WA 98101


Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98101

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 - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

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:
Seattle,Washington


North Valley Bank Locations


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
4.19% 6.94%

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, 2020, North Valley Bank had $4,521,000 in non-current loans and $708,000 in owned real estate. To cover these potential losses it had $116,058,000 in equity and $8,658,000 in loans loss reserves. That gives it a Texas Ratio of 4.19%.

Return on Equity
North Valley Bank U.S. Bank Average
6.07% 7.80%

North Valley Bank has a Return on Equity of 6.07% versus the BestCashCow average of 7.80%. 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
12.59% 12.68%

North Valley Bank has a Capitalization of 12.59% versus the BestCashCow average of 12.68. 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 September 30, 2014, North Valley Bank had assets of $921,796,000, loans of $506,041,000, and deposits of $789,238,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 506.04 million
Loan loss allowance $ 8.66 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.71 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 789.24 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 921.80 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in California, North Valley Bank has a significantly higher percent of Small Business Loans 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 19.13
Multifamily
Mortgages
8.65
Credit Card Loans 0.00
Consumer Auto Loans 0.08
Small Business Loans 23.83
Construction and Development Loans 5.42
Commercial Real Estate 56.75
Commercial and Industrial Loans 8.71
Farm Loans 0.06

Frequently Asked Questions About North Valley Bank

Branches and Savings

Is North Valley Bank FDIC insured?

Yes. It is covered under FDIC Certificate #20959.

Why does North Valley Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are North Valley Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is North Valley Bank a commercial bank?

Yes

Where are North Valley Bank locations?

See branch locations nearby.

Is North Valley Bank open on Saturdays?

Is North Valley Bank open on Sundays?

What time does North Valley Bank open?

What time does North Valley Bank close?

Are North Valley Bank ATMs Open 24/7?

Do North Valley Bank ATMs accept cash deposits?

Can North Valley Bank customers use other ATMs?

Do North Valley Bank branches have notaries?

Will North Valley Bank notarize my document?

What address for North Valley Bank should I put for incoming ACH transfers?

Will the North Valley Bank branch print checks?

Do North Valley Bank checks expire?

Does North Valley Bank require US citizenship to open account?

Can North Valley Bank close my account?

Does North Valley Bank Report to credit bureaus?

Does North Valley Bank Use Equifax?

What is North Valley Bank's ACH Routing Number?

What is North Valley Bank's SWIFT code?

Products

Does North Valley Bank offer mortgages?

Compare mortgage rates here.

Does North Valley Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does North Valley Bank offer personal loans?

Compare personal loan rates here.

Does North Valley Bank offer student loans?

Will North Valley Bank cash a check?

Will North Valley Bank redeem a savings bond?

Does North Valley Bank cash savings bonds?

Will North Valley Bank cash money orders?

Can North Valley Bank issue a money order?

Does North Valley Bank do currency exchange?

Background on The Bank

Who owns North Valley Bank?

How long has North Valley Bank been around?

Can North Valley Bank transfer to other banks?

Does North Valley Bank have quick pay?

Does North Valley Bank accept rolled coins?

Will North Valley Bank accept loose change?

Where is North Valley Bank headquarters?

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