FDIC Cert #18710 · Thornton, Colorado · Est. 1963

North Valley Bank - FDIC Bank Health Profile

A community-scale look at North Valley Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$260M
Total assets
A
Health grade · Excellent
2.99%
Return on assets
13.4%
Tier 1 capital

Data updated July 2026

The verdict

North Valley Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 13.42% Tier 1, profitable at 2.99% ROA, efficient (43% cost ratio).

#2,691
largest of 4,313 FDIC banks by assets
38th
percentile by asset size, nationally
13.42%
Tier 1 ratio - above the 10% well-capitalized line
98th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 18710 · CO A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #407/4307
  • PHOTO-FINISH Bank of Texas · TX
  • TIER1-WELL 13.4% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 2.99% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Colorado: Bank of Texas, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around North Valley Bank

Lowest and highest poles plus nearest scored peers outside Colorado, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Texas · TX · near95/100First National Bank… · IL · …95/100First New Mexico Bank · NM ·…95/100Inwood National Bank · TX · …95/100North Valley Bank · CO · thi…95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around North Valley Bank · July 2026

Call Report read for North Valley Bank in a high-failure state

North Valley Bank (FDIC Cert #18710) carries a PlainBankData health grade of A at 95/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #407 of 4,307. Tier 1 capital prints at 13.42%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.99%. Balance-sheet scale is $260M, 2,691st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Texas (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around North Valley Bank

10 FAILURE resolutions in Colorado since 2000, heavy vs the state corpus

North Valley Bank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about North Valley Bank's current Call Report.

  • PREMIER BANK DENVER, CO 2015 → UNITED FIDELITY BANK, FSB
  • COLORADO CAPITAL BANK CASTLE ROCK, CO 2011 → FIRST-CITIZENS BANK & TRUST COMPANY
  • SIGNATURE BANK WINDSOR, CO 2011 → POINTS WEST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Colorado banks.

How North Valley Bank's 95/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10095/100
North Valley Bank's composite health score
Tier 1 Capital Ratio (13.42%) 35/40
Return on Assets (ROA) (2.99%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (42.79%) 15/15

95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$260M

Total balance-sheet footings

Total Deposits

$215M

Customer-funded liabilities

Net Loans

$227M

Outstanding loan book

Net Income

$8M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.02% 13.42% 14.82%
Basel III capital ratios - North Valley Bank

Where North Valley Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. North Valley Bank's score of 95/100 falls in the highlighted band.

North Valley Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 9% higher than 91% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. North Valley Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

North Valley Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). North Valley Bank's $260M falls in the highlighted band.

Capital & credit buffers at North Valley Bank

Tier 1 capital ratio
Well-capitalized 10%

13.42% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.42%
Texas Ratio
0.00%
Equity Capital
$34M

What these ratios mean →

Earnings posture at North Valley Bank

Return on Assets (ROA)
98th percentile nationally
2.99%
Return on Equity (ROE)
23.43%
Efficiency Ratio
42.79%

What these mean →

Income & expense at North Valley Bank

$20M
Interest Income
$424K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. North Valley Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View North Valley Bank on FDIC BankFind →

Top banks in Colorado by total assets

Largest banks headquartered in Colorado
  1. 1
    FirstBank $26.5B

    Lakewood, CO · Grade A

  2. 2
    NBH Bank $9.8B

    Greenwood Village, CO · Grade A

  3. 3
    Bank of Colorado $7.7B

    Fort Collins, CO · Grade A

  4. 4
    Alpine Bank $6.9B

    Glenwood Springs, CO · Grade A

  5. 5
    First Western Trust Bank $3.2B

    Denver, CO · Grade C

Top 5 banks in Colorado ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($260M here), outside Colorado so the neighborhood is not state containment.

Lamar Bank and Trust Company $260M · MO Jim Thorpe Neighborhood Bank $260M · PA Gateway Bank, F.S.B. $260M · CA First Bank of Manhattan $261M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) North Valley Bank (FDIC Cert #18710) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

North Valley Bank Call Report profile · FDIC Failed Bank List · Colorado FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Colorado

All Colorado banks →
BankAssetsGradeROA
FirstBankLakewood $26.5B A 1.20%
NBH BankGreenwood Village $9.8B A 1.18%
Bank of ColoradoFort Collins $7.7B A 1.07%
Alpine BankGlenwood Springs $6.9B A 1.16%
First Western Trust BankDenver $3.2B C 0.51%
ANB BankDenver $3.0B B 0.81%
Colorado Federal Savings BankGreenwood Village $2.7B A 0.57%
Solera National BankLakewood $1.6B B 1.86%