# NORTH VALLEY BANK
THORNTON, CO · FDIC certificate 18710 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $268.6M | |
| Deposits | $215.2M | |
| Loans and leases | $235.0M | |
| Total equity | $35.3M | |
| Loans / deposits | 107.55% (p95 of band) | 73.59% |
| Liquid assets / assets | 10.60% (p4 of band) | |
| Uninsured deposits / deposits | 22.29% (p59 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.33% (p76 of band) | |
| FHLB advances / assets | 6.33% | |
| Tier 1 leverage | 13.52% (p67 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 2.82% (p95 of band) | 1.17% |
| Net interest margin | 5.41% (p95 of band) | 3.93% |
| Efficiency ratio | 45.95% (p8 of band) | |
| Noncurrent loans | 0.53% (p57 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p56 of band) | |
| Reserve coverage of noncurrent | 282.94% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 42.21% (p74 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | construction >100% equity |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 6 | losing money, noncurrent p90, charge-offs p90 |  |
| 2012-03 | 2 | uninsured deposits leaving | construction >100% equity, capital falling, losing money, noncurrent p90, charge-offs p90 |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 3 | deposits shrinking, assets shrinking |  |
| 2012-12 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | loans exceed deposits, capital falling |  |
| 2018-03 | 0 |  | loans exceed deposits, capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 | capital falling | loans exceed deposits, liquid assets <10% |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2021-09 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 | capital falling | loans exceed deposits, liquid assets <10% |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | loans exceed deposits |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | liquid assets <10% |  |
| 2024-09 | 1 |  | liquid assets <10% |
| 2024-12 | 3 | liquid assets <10%, reserve under noncurrent |  |
| 2025-03 | 2 |  | liquid assets <10% |
| 2025-06 | 1 |  | reserve under noncurrent |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | liquid assets <10%, charge-offs p90 |  |
| 2026-03 | 1 |  | liquid assets <10%, charge-offs p90 |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-14 [North Valley Bank’s Corning branch to discontinue in-person service - Perry County Tribune](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOd1NSN1VrUFRfY0V6UGEwNlduQU4xRWJTYWwyd2lIb2pvcG9qcEg2MDNhMGZ5OGRESldSV0FIcW10U3Y3ZlMwT3RZQUFfXzBaR2FQTkNxcUtBX2tJUzdvY05jX2M4Qk5VUzJWVmluVDVNRGxWa0t6X2dzYTFVVEJ0eG9TUENNRFFNby02UEJVUWdOeFRQZnRLTXpWblA4UzFXSnBrY1Y4UmVxcW5NZFN1cDhoV3B3MjFnWjVHVXA1VEFVSE5aa1Q4bzRsRTI2b0piTkF3Z2UzMlZXTGhuOUs0?oc=5) · Perry County Tribune
- 2026-07-13 [Tri Counties Bank to be acquired by 168-year-old Hawaiian bank in $2 billion deal - The Press Democrat](https://news.google.com/rss/articles/CBMipgFBVV95cUxQQW56N1pUQmVSU1lDR1RhVDJlVEJLUHdGaG1VdGdjRjRnNU5jbFlBLUEwMlUyOWxFSlFNLWo2STMtRHQ3cG1qYXhUajF5TE5qVDU1cm5wX1N0YjFZMjdQRlJ2QVlkbEZvTW95aE52U1NxblBIeFo4NUZ2czBOYk9PUDU5WkduTS1ZaTBuWENoRjNoV0FsS3JneW5fdEU5VmhEa2tuWHBB?oc=5) · The Press Democrat
- 2023-06-15 [North Valley Bank opens Pataskala Business Banking Center - The Newark Advocate](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOQjVMSTBaTm5VckF3SGFycDcxSmhlRWJKejJRRFBkTjFOOTZQbnNZeld1WEQwVlFpNG5Dd1VhaXRKbmpxQnJsR2Q0THExUUR3bDV6X3dBb3NZeHNtSjhWdk9EM1pNMU81YzNZOF8yMnNwX2RSSjNFUnM0b1o1UDNlaFlWY0VJWkVpMG9OOHg3dWVqZEpfNEZ2dTYxeXRPZVFKenlTVHRjeGtRR0tna25iYzZ6OGJGYXpvS3FNMkVkSVdobkpib2U2NVB3M1RkamR5dG0ySDFB?oc=5) · The Newark Advocate
- 2024-02-27 [North Valley Bancshare Acquires Commodore Financial Network - WHIZ - Fox 5 / Marquee Broadcasting - WHIZ](https://news.google.com/rss/articles/CBMiS0FVX3lxTE0wNXd1NnVyUzRnQnZaY3RGa2VxalJqdUtGTnIweGxnNHhTRW9sLVdmOFpSTUtxTm83Z2d3UjBWUngxOC01VHN2YTFtdw?oc=5) · WHIZ
- 2024-03-04 [North Valley Bank of Zanesville has acquired Commodore Bank of Somerset - zanesvilletimesrecorder.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxORHE0c1dwVjhpWDBONHpITXB5NWdCenF0TTRKaGZoajFoTUc2SzNsOFlzRG5nSGtRcEl3cTZocjE3WjZ3bFE0QnY1X0VZTHUxZDhBd1Q3YjhyRDI5YmNjZHREUWRwdzM1bzFySnhxaEFrdkF0Q3JycXBpQUg4R2p1MXh3REdCclZoQUxjclpHbGZYZ1pZQTVKSWtWQUFsX0Y1RTNZRkp4ZzU2ZjdORVMteVg4T0thWmhELTBXNm1DcG9XVU56cDJBYW9UdVJRbzZXREFCcTh1b2xFbld0TWJpMjF3?oc=5) · zanesvilletimesrecorder.com
- 2015-01-09 [North Valley Bank Merges with Tri Counties - The Willits News](https://news.google.com/rss/articles/CBMimAFBVV95cUxOR3RjVXZlQ1VKYWExRzFSTEo1QlRXamo1U0Q4WlBwZDBnWnRXbjl2RTEzeUJSY3F4N2duUTF0X0hxN1FDLV9hMVcySHV3T09kNW9EREJObmhzazRJRjUxOXBSV0o2Y2UyZ2lpTFAweUhiay1XRU9xVzdndWFxTTItN0RMeW12eVhjM0pQdHo1OGlqdW14M2ZFWg?oc=5) · The Willits News
- 2026-07-06 [Shred Day at North Valley Bank! - Circleville Herald](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQR05IMFlydGRlRGR4WXFoQ18tMWp2MEc2ZjVXMTZBMXJQSmt0a3FhaGlaUjNLNWluMkttS01HSmxYRDNoVzRybjFBNkpSTkwtQzlrS0FzU0Jjc01YU29KQS1jUTJsMS1XbjBGTmNsbU0tU0lCc05jNnR0bHlOYXFOX0ZVR1U2Ym5QWEVUTGZEb1FsNzBuOFRlTU9uMDVUM29nLVhwckd4UG93N2huZ25NTTh5UEhQaWJhWVE1V2QwZE1uZw?oc=5) · Circleville Herald
- 2024-07-22 [These are Denver's strongest banks - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxQUVBWTFV1OVNVWHByd1BaVjdXV1RadFR1RlVLUWQxdHJmMndFZVN2eXpZSzFWRzdGOEhOZlNrWnZkZ2pWenFBWDMyMUcxdXlOTnBBU25FT3hHMzJNNFg5ZU1BaTlRaXloeHZrbGJNaEduOHl4ejh2NUwyLWtMSnJKbDdTVmZIUXJLcG84Wg?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18710 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/22.json (key "18710", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide