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North Valley Bank
Thornton, CO · FDIC Certificate #18710 · Chartered 02/2
Total assets
$268.64M
Total deposits
$215.21M
Total equity
$35.28M
Net loans
$231.45M
Branches (offices)
2
Net income (YTD)
$3.72M
Rank: #2,621 of 4,213 U.S. banks by assets · #38 of 63 in Colorado. Assets changed 1.4% and deposits 1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.82% |
| Return on equity | 21.48% |
| Net interest margin (YTD) | 5.41% |
| Equity to assets | 13.13% |
| Tier 1 leverage ratio | 13.52% |
| Uninsured deposits (share of deposits) | 22.3% |
| Noncurrent loans (share of loans) | 0.53% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 107.5% |
| Real estate loans (share of loans) | 100.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $233.19M | 100.8% | |
| Commercial & industrial | $664.00K | 0.3% | |
| Consumer / individual | $153.00K | 0.1% | |
| Construction & development | $14.89M | 6.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $230.31M | $202.22M | $2.81M | $26.22M |
| Jun 2023 | $249.24M | $210.94M | $3.09M | $28.30M |
| Jun 2024 | $247.22M | $203.07M | $3.25M | $30.82M |
| Jun 2025 | $264.91M | $212.92M | $4.14M | $33.21M |
| Jun 2026 | $268.64M | $215.21M | $3.72M | $35.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $215.21M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $215.21M.
Similar-sized banks
Westside State Bank ($268.71M) · Bank Of Deerfield ($268.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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