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North Valley Bank
Zanesville, OH · FDIC Certificate #2284 · Chartered 11/0
Total assets
$426.89M
Total deposits
$374.86M
Total equity
$46.45M
Net loans
$323.96M
Branches (offices)
10
Net income (YTD)
$2.17M
Rank: #1,971 of 4,213 U.S. banks by assets · #60 of 155 in Ohio. Assets changed -0.1% and deposits -0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.04% |
| Return on equity | 9.49% |
| Net interest margin (YTD) | 4.53% |
| Equity to assets | 10.88% |
| Tier 1 leverage ratio | 10.05% |
| Uninsured deposits (share of deposits) | 26.0% |
| Noncurrent loans (share of loans) | 0.68% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 86.4% |
| Real estate loans (share of loans) | 91.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $295.48M | 91.2% | |
| Commercial & industrial | $17.11M | 5.3% | |
| Consumer / individual | $11.53M | 3.6% | |
| Construction & development | $17.70M | 5.5% | |
| Agricultural | $1.91M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $303.43M | $268.75M | $1.17M | $28.03M |
| Jun 2023 | $312.66M | $273.05M | $972.00K | $29.36M |
| Jun 2024 | $324.02M | $277.60M | $1.05M | $31.40M |
| Jun 2025 | $427.15M | $375.48M | $1.80M | $43.12M |
| Jun 2026 | $426.89M | $374.86M | $2.17M | $46.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $374.86M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $374.86M.
Similar-sized banks
The Union State Bank Of Everest ($427.29M) · Waukon State Bank ($426.86M)
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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