# NORTH VALLEY BANK
REDDING, CA · FDIC certificate 20959 · asset band $300M-1B · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $921.8M | |
| Deposits | $789.2M | |
| Loans and leases | $514.7M | |
| Total equity | $116.1M | |
| Loans / deposits | 64.12% (p21 of band) | 80.43% |
| Liquid assets / assets | 37.68% (p74 of band) | |
| Uninsured deposits / deposits | 13.96% (p31 of band) | 18.44% |
| Brokered deposits | 0.80% | |
| Wholesale funding | 0.80% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.43% (p84 of band) | 10.05% |
| Unrealized securities loss / equity | -0.99% (p19 of band) | 0.40% |
| AOCI / equity | 2.59% (p70 of band) | |
| ROA (annualized) | 0.74% (p37 of band) | 0.88% |
| Net interest margin | 3.71% (p57 of band) | 3.62% |
| Efficiency ratio | 76.67% (p72 of band) | |
| Noncurrent loans | 0.88% (p46 of band) | 0.96% |
| Net charge-offs (annualized) | 0.09% (p63 of band) | |
| Reserve coverage of noncurrent | 191.51% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 23.65% (p38 of band) | |
| Auto loans | $382,000 (0.07% of loans; DQ 4.71%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.2% | |
| Employees | 279 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |

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

- 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
- 2014-01-23 [Tri Counties CEO reaching out to North Valley Bank - Chico Enterprise-Record](https://news.google.com/rss/articles/CBMingFBVV95cUxObU1HRy1xYjNiUDhVajYxTlBTcEpEQUg0Z2VHWHVnc0FWWThIWEFpSFJYLTlWbGFBYnV1cHZheHZabVhfcjFNa1lOaHhjdUFIREc0bXpwbU9NTUJ6YjFFaHlla0ZWSjhwYVJMVmtPWFMweUkyemNZTVV5MVl6TjllSHVyYjZUQ3JsSHlwVjEtQnhKdzIxVG55UWsxVHNvdw?oc=5) · Chico Enterprise-Record
- 2014-01-21 [Tri-Counties, North Valley Banks merges - krcrtv.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE92ZkQyY0l6aHlSSW53SmhkNlI4ZlZyS3BrWnZleF81dFF6OE1lNXlPZGR5WG96QXFfXzRDY213cjdpcGJzc29nQ2hDbmltakpqQ3lUSUdwS3pQVTlvclFXUlZ3Z1d2SzdXbnFJOTV2ZERkNlFI?oc=5) · krcrtv.com
- 2014-09-10 [Tri Counties Bank deal means closing 8 branches in Northern California - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPdjhDSUlDdjE3Q21XaVYyaUlVV3BKM25pRURRU3NGcWkzZGE1b1h6MnR3YzctaUVhWEE1eDlBM053Wi1yenJybjAtZ2w5cXlnUnZ4djZ4ZXl6dnZ4NVlhQm1UWm92T0lHVTd0UG5GTVZXYXhLNElTRkxCNmVkdWVIaVdNS0tNX3VOaTdzZjhwVEliTWozcmpuRVpXQ1NPcHUwNTN1Q0pBNUxYOFYwS2lv?oc=5) · The Business Journals
- 2024-05-18 [Robin Gordon Obituary - CA - East Bay Times](https://news.google.com/rss/articles/CBMiakFVX3lxTE9QZkdPTnVKUks5YVBlUmJ1OElUcXE0Q0R0RmlsWUpBRTBndzVPbXlVdnZqVTFrbWVMQ3FWUW5NRXRKc1YwX21GMHZuOUJGdC1IS0NxVF9JOG9sbXhCZl9mZmcxc0N4aHZ6d2c?oc=5) · East Bay Times
- 2007-04-11 [Sterling buys North Valley Bancorp - The Press Democrat](https://news.google.com/rss/articles/CBMihAFBVV95cUxObUJkSjRDQ0UxRGdnV3dERDYwZFM3dEFFdFZrejIyMzViOU0zQlV2ZHltZ3NicTVoSG1yYWJ2Y0l5eE1kX1pMalVaRlY5ei1jV2p1UXlWOWRRRHh4NEVyTTRaT3JpcmdCbkRJUDhsdFdBRXZvWlc3ZEFXb3lJYVpQQWFIdng?oc=5) · The Press Democrat
- 2026-06-01 [James Cowee Obituary - Redding, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE9NNFc0YjlaZ1VyN1BLcl9xM3JTQ1o0SVY2aG5kQ0wwSjlEVHNFYkNLanJUN0UyNkxQRUhTa0p6Rl9KclpES3c4SnNLTmNvd1ZoOFVsOTZFTGlGdkd4RUM0azBjcWp5WkdGTlhJUXB0R0t0VDFhVU9ieFp2VndGblk?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20959 (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/31.json (key "20959", 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