BlastPoint's Banking Scorecard

North Valley Bank

$100M-$1B Specialty: Commercial CO FDIC cert 18710

Thornton, CO

2 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in CO

North Valley Bank has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Return on Assets 1.50% above tier average
+ Net Interest Margin 1.49% above tier average
+ Delinquency Rate 0.89% below tier average
+ Efficiency Ratio 18.76% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 4.8% in tier
- Liquidity Strain: Bottom 40.0% in tier
- Margin Compression: Bottom 73.8% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$262.0M +0.1% YoY +0.6% QoQ	-$124.1M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	39%
Total Loans ?	$225.0M -1.3% YoY -1.0% QoQ	-$30.7M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	54%
Total Deposits ?	$209.2M -2.5% YoY -2.6% QoQ	-$118.8M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	37%
Return on Assets ?	2.77% -14.6% YoY -7.3% QoQ	+1.50%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	Top 3.1% in tier
Net Interest Margin ?	5.42% -4.2% YoY -3.7% QoQ	+1.49%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	Top 3.6% in tier
Efficiency Ratio ?	46.53% +13.4% YoY +8.7% QoQ	-18.76%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	Top 10.6% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	107.57% +1.2% YoY +1.7% QoQ	+30.93%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	Bottom 3.7% in tier
Non-Interest-Bearing Deposit Share ?	19.71% +7.7% YoY +4.6% QoQ	-2.31%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	44%
Nonperforming Asset Ratio ?	1.14% -16.2% YoY -0.6% QoQ	+0.51%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	13.59% +6.4% YoY +1.3% QoQ	-2.24%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.04% -5.7% YoY -76.3% QoQ	-0.24%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	Bottom 12.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Cost Spiral

risk

#7 of 126 • Bottom 4.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 46.53%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Liquidity Strain

risk

#258 of 643 • Bottom 40.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 107.57%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Margin Compression

decline

#226 of 305 • Bottom 73.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 2.77%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Return on Assets

profitability

Value: 2.77%

Peer Median: 1.27%

#84 of 2664 Top 3.1% in $100M-$1B

Net Interest Margin

profitability

Value: 5.42%

Peer Median: 3.93%

#96 of 2664 Top 3.6% in $100M-$1B

284

Efficiency Ratio

profitability

Value: 46.53%

Peer Median: 65.29%

#284 of 2664 Top 10.6% in $100M-$1B

Top Weaknesses (3 metrics)

2566

Loan-to-Deposit Ratio

liquidity

Value: 107.57%

Peer Median: 76.64%

#2566 of 2664 Bottom 3.7% in $100M-$1B

2327

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2327 of 2664 Bottom 12.7% in $100M-$1B

2220

Nonperforming Asset Ratio

credit_quality

Value: 1.14%

Peer Median: 0.64%

#2220 of 2664 Bottom 16.7% in $100M-$1B