Zanesville, OH · Cert 2284 · North Valley Bancshares Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.2% share · #30 of 53 inst. · $0.2B of $124.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.85% | 0.97% | 1.00% | 1.09% | +26 bps | |
| Return on Equity | 8.15% | 8.28% | 9.07% | 9.04% | 9.94% | +178 bps | |
| Net Interest Margin | 3.88% | 3.93% | 4.09% | 4.15% | 4.16% | +28 bps | |
| Efficiency Ratio | 76.84% | 76.12% | 74.45% | 75.58% | 72.08% | -476 bps | |
| Non-Interest Burden | 2.79% | 2.80% | 2.79% | 2.95% | 2.76% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 31.83% | 29.76% | -1.48% | 0.77% | -0.06% | -3,189 bps | |
| Loan Growth (YoY) | 19.34% | 18.25% | 1.17% | 4.55% | 6.14% | -1,320 bps | |
| Deposit Growth (YoY) | 35.26% | 32.75% | -2.65% | 0.82% | -0.16% | -3,543 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.06% | 0.93% | 0.90% | 0.80% | 0.68% | -38 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.00% | 0.00% | 0.08% | 0.01% | +5 bps | |
| Allowance / Loans | 0.82% | 0.81% | 0.80% | 0.77% | 0.75% | -7 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 0.9x | 1.0x | 1.1x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.67% | 9.76% | 9.86% | 10.35% | 10.05% | +38 bps | |
| Total Risk-Based Capital | 9.67% | 9.76% | 9.86% | 10.35% | 10.05% | +38 bps | |
| Equity / Assets | 10.10% | 10.40% | 11.04% | 10.99% | 10.88% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.90% | 82.83% | 88.77% | 87.90% | 87.07% | +517 bps | |
| Liquid Assets / Assets | 0.61% | 0.61% | 0.57% | 0.56% | 0.61% | 0 bps | |
| CRE / Total Capital | n/a | 347% | 348% | 349% | n/a | n/a | |