North Valley Bank
Zanesville, OH · Cert 2284 · Peer group: banks under $1B in assets in OH (n=69-72) · 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 74% of banks under $1B in assets in OH (rank 19 of 72).
- Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets in OH (rank 66 of 72).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.02%
Rank 37 of 72
Net Interest Margin
4.05%
Rank 19 of 72
Efficiency Ratio
73.76%
Rank 45 of 72
Equity / Assets
10.88%
Rank 34 of 72
Non-interest income vs. expense
Unfavorable gap of $11.9M · efficiency ratio beats 39% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.68% | 1.03% | 1.39% | Beats 49% | 37 / 72 | |
| Return on Equity | 9.34% | 5.90% | 10.07% | 13.60% | Beats 49% | 37 / 72 | |
| Net Interest Margin | 4.05% | 3.01% | 3.56% | 4.07% | Beats 74% | 19 / 72 | |
| Efficiency Ratio | 73.76% | 56.91% | 70.77% | 78.80% | Beats 39% | 45 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.08% | 0.27% | 0.97% | Beats 38% | 44 / 69 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.04% | Beats 32% | 48 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 10.05% | 11.44% | 14.23% | 20.34% | Beats 11% | 64 / 72 | |
| Total Risk-Based Capital Ratio | 10.05% | 12.24% | 14.44% | 21.24% | Beats 8% | 66 / 72 | |
| Equity / Assets | 10.88% | 8.75% | 10.85% | 13.51% | Beats 53% | 34 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 87.07% | 64.48% | 76.81% | 87.49% | 72nd pctl | 19 / 69 | |
| Loans / Assets | 76.46% | 56.60% | 65.67% | 73.89% | 78th pctl | 16 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |