North Valley Bank: how it compares with its peers
Against 33 CO banks with half to twice its assets, North Valley Bank's strongest measure in Q2 2026 is return on assets (2.82% vs. a 1.08% peer median). Its weakest relative measure is assets per employee ($7.9M vs. $7.3M).
| Measure | North Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.82% | 1.08% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.41% | 4.13% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.95% | 67.89% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $7.3M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 107.55% | 86.51% | Context |
What it means for lending operations
Its efficiency ratio of 45.95% is better than the 67.89% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First American State Bank Greenwood Village, CO · $277M
- The Gunnison Bank and Trust Company Gunnison, CO · $255M
- The First National Bank in Trinidad Trinidad, CO · $251M
- First Pioneer National Bank Wray, CO · $243M
- Farmers Bank Ault, CO · $297M
- Redstone Bank Centennial, CO · $298M
Questions about North Valley Bank
How big is North Valley Bank?
North Valley Bank, established in 1963, is headquartered in Thornton, CO. It reported $269M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is North Valley Bank's return on assets?
2.82% annualized in Q2 2026, against a 1.08% median for 33 CO banks with half to twice its assets, ahead of 100% of them.
What is North Valley Bank's efficiency ratio?
45.95% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 67.89%, and lower is better.
Is North Valley Bank growing its loans?
Net loans shrank 0.2% over the year to Q2 2026, while deposits grew 1.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.