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North Valley Bank

Zanesville, OH · Cert 2284 · North Valley Bancshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OH (n=68 to 71). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

24

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

53

Q2 2024Q2 2026peer median

Efficiency

39

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

North Valley Bank

Zanesville, OH · Cert 2284 · North Valley Bancshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$426.9MAssets
$326.4MLoans
$374.9MDeposits
$46.4MEquity
Loan mix
91%RE $290.4M5%C&I $16.1M3%Consumer $11.1MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $289.2M23%Noninterest $85.6MQ3 2024Q2 2026

Market Position · Columbus, OH · 2026 SOD (annual) · 0.2% share · #30 of 53 inst. · $0.2B of $124.6B

6.7% Muskingum
17.0% Perry
1.3% Licking
1.2% Fairfield

Executive Summary

  • Earnings: ROA of 1.04%, up 18 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.68% of loans (-38 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.05%, up 38 bps from a year ago.
  • Funding: loans stand at 87.07% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.04%+18 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+21 bps YoY

Efficiency Ratio (YTD, annualized)

73.76%-158 bps YoY

Tier 1 Leverage Ratio

10.05%+38 bps YoY

NIM

5.30%Q2 ’245.39%Q2 ’255.42%Q2 ’26+9%+5%

Non-interest income vs. expense

3.45%Q2 ’243.38%Q2 ’253.40%Q2 ’26-3%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.44%0.90%0.86%0.86%0.89%1.00%1.04%+18 bps
Return on Equity6.27%4.49%9.13%8.67%8.54%8.69%9.04%9.49%+82 bps
Net Interest Margin3.51%3.28%3.88%3.85%3.86%3.89%4.15%4.05%+21 bps
Efficiency Ratio82.82%88.30%73.88%75.34%75.60%75.29%75.58%73.76%-158 bps
Non-Interest Burden2.79%2.78%2.61%2.68%2.71%2.71%2.95%2.79%+11 bps
Growth
Asset Growth (YoY)2.02%33.07%32.34%31.83%29.76%-1.48%0.77%-0.06%-3,189 bps
Loan Growth (YoY)7.02%27.16%23.52%19.34%18.25%1.17%4.55%6.14%-1,320 bps
Deposit Growth (YoY)0.20%38.17%37.19%35.26%32.75%-2.65%0.82%-0.16%-3,543 bps
Asset Quality
Nonperforming Loans / Loans1.10%1.13%1.09%1.06%0.93%0.90%0.80%0.68%-38 bps
Net Charge-Offs / Loans0.00%0.00%0.02%-0.01%0.00%0.00%0.08%0.05%+5 bps
Allowance / Loans0.95%0.78%0.82%0.82%0.81%0.80%0.77%0.75%-7 bps
Allowance Coverage of NPLs0.9x0.7x0.8x0.8x0.9x0.9x1.0x1.1x+0.3x
Capital
Tier 1 Leverage Ratio10.46%9.55%9.62%9.67%9.76%9.86%10.35%10.05%+38 bps
Total Risk-Based Capital10.46%9.55%9.62%9.67%9.76%9.86%10.35%10.05%+38 bps
Equity / Assets9.87%9.39%10.26%10.10%10.40%11.04%10.99%10.88%+79 bps
Liquidity & Funding
Loans / Deposits92.99%85.42%84.76%81.90%82.83%88.77%87.90%87.07%+517 bps
Liquid Assets / Assets0.72%0.57%0.58%0.61%0.61%0.57%0.56%0.61%0 bps
CRE / Total Capitaln/an/an/an/a347%348%349%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

North Valley Bank

Zanesville, OH · Cert 2284 · Peer group: banks under $1B in assets in OH (n=68-71) · North Valley Bancshares Inc.

State charter, Fed member · FED · 10 branches

Q2 2026

$426.9MAssets
$326.4MLoans
$374.9MDeposits
$46.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 73% of banks under $1B in assets in OH (rank 19 of 71).
  • Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets in OH (rank 65 of 71).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.02%

Rank 36 of 71

Net Interest Margin

4.05%

Rank 19 of 71

Efficiency Ratio

73.76%

Rank 44 of 71

Equity / Assets

10.88%

Rank 33 of 71

Non-interest income vs. expense

$2.6M$14.5MINCOMEEXPENSE
Unfavorable gap of $11.9M · efficiency ratio beats 39% of banks under $1B in assets in OH
Bank 73.76%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.02%0.62%1.02%1.39%Beats 49%36 / 71
Return on Equity9.34%5.62%10.07%13.60%Beats 48%37 / 71
Net Interest Margin4.05%2.93%3.56%4.07%Beats 73%19 / 71
Efficiency Ratio73.76%55.94%70.77%78.80%Beats 39%44 / 71
Asset Quality
Nonperforming Loans / Loans0.68%0.08%0.27%0.97%Beats 37%44 / 68
Net Charge-Offs / Loans0.03%n/a0.00%0.05%Beats 32%47 / 68
Capital
Tier 1 Capital Ratio10.05%11.18%13.77%20.34%Beats 11%63 / 71
Total Risk-Based Capital Ratio10.05%12.08%14.34%21.24%Beats 8%65 / 71
Equity / Assets10.88%8.41%10.74%13.32%Beats 54%33 / 71
Liquidity & Funding
Loans / Deposits87.07%64.48%76.81%87.49%74th pctl18 / 68
Loans / Assets76.46%55.33%65.58%72.51%79th pctl15 / 71
Brokered Deposits / Depositsn/aNot reported for this institution