North Valley Bank: how it compares with its peers
Against 54 OH banks with half to twice its assets, North Valley Bank's strongest measure in Q2 2026 is net interest margin (4.53% vs. a 3.75% peer median). Its weakest relative measure is assets per employee ($4.4M vs. $6.4M).
| Measure | North Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.04% | 0.99% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.53% | 3.75% | Top third Ahead of 87% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.76% | 69.41% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.4M | $6.4M | Bottom third Ahead of 4% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.42% | 82.01% | Context |
What it means for lending operations
Its efficiency ratio of 73.76% is above the 69.41% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The St. Henry Bank St. Henry, OH · $436M
- GreenWay Bank Van Wert, OH · $402M
- The First Citizens National Bank of Upper Sandusky Upper Sandusky, OH · $390M
- THE HOME LOAN SAVINGS BANK Coshocton, OH · $387M
- First National Bank in New Bremen New Bremen, OH · $467M
- The Fahey Banking Company Marion, OH · $385M
Questions about North Valley Bank
How big is North Valley Bank?
North Valley Bank, established in 1904, is headquartered in Zanesville, OH. It reported $427M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is North Valley Bank's return on assets?
1.04% annualized in Q2 2026, against a 0.99% median for 54 OH banks with half to twice its assets, ahead of 56% of them.
What is North Valley Bank's efficiency ratio?
73.76% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 69.41%, and lower is better.
Is North Valley Bank growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits shrank 0.2%.
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 OH 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 Ohio bank ranked.