BlastPoint's Banking Scorecard

North Valley Bank

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

Thornton, CO

2 branches across CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
Deposits +1.1% year over year ($215.2M on the books).
Delinquency rate 0.54%.
Return on assets 2.82%.
Efficiency ratio 45.95% vs a 64.48% peer average.
Loan-to-deposit ratio 107.55% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO

View $100M-$1B leaderboard (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 1.42% above tier average
+ Efficiency Ratio 18.53% below tier average
+ Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 5.1% in tier
- Liquidity Strain: Bottom 48.6% in tier
- Nonperforming Asset Ratio 1.05% above tier average

Get updates when North Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$268.6M +1.4% YoY +2.5% QoQ	-$117.9M	$386.6M +1.2% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	40%
Total Loans ?	$231.5M -0.2% YoY +2.9% QoQ	-$26.9M	$258.3M +1.7% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	55%
Total Deposits ?	$215.2M +1.1% YoY +2.9% QoQ	-$111.5M	$326.7M +0.7% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	38%
Return on Assets ?	2.82% -11.5% YoY +1.9% QoQ	+1.50%	1.32% +10.8% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	Top 2.7% in tier
Net Interest Margin ?	5.41% -3.5% YoY -0.2% QoQ	+1.42%	3.99% +5.0% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	Top 3.6% in tier
Efficiency Ratio ?	45.95% +12.4% YoY -1.2% QoQ	-18.53%	64.48% -3.2% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	Top 10.1% in tier
Delinquency Rate ?	0.54% -65.1% YoY	-0.38%	0.92% +15.7% YoY	0.85% +17.5% YoY	0.98% +16.3% YoY	44%
Loan-to-Deposit Ratio ?	107.55% -1.2% YoY -0.0% QoQ	+29.60%	77.95% +1.0% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	Bottom 4.5% in tier
Non-Interest-Bearing Deposit Share ?	18.65% -2.8% YoY -5.4% QoQ	-3.38%	22.03% -0.6% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	39%
Nonperforming Asset Ratio ?	1.71% +27.4% YoY +49.9% QoQ	+1.05%	0.67% +16.4% YoY	0.49% -10.9% YoY	0.69% +15.8% YoY	Bottom 9.8% in tier
Tier 1 Capital Ratio ?	13.52% +4.7% YoY -0.6% QoQ	-2.39%	15.91% +1.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.08% -3.2% YoY +102.8% QoQ	-0.49%	0.57% +7.6% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	Bottom 12.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Noninterest-Bearing	18.6% -0.5pp YoY -1.1pp QoQ	-3.5pp	22.1%	23.5%	22.2%	38%
Brokered Deposits	n/a	n/a	7.9%	7.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	0.3% -0.1pp YoY 0.0pp QoQ	-11.3pp	11.6%	8.4%	12.5%	1%
CRE	61.8% -4.3pp YoY -2.5pp QoQ	+22.3pp	39.5%	42.8%	41.4%	87%
1-4 Family	38.9% +4.0pp YoY +2.6pp QoQ	+6.3pp	32.6%	33.0%	31.3%	68%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	3.9%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	24.9%	19.7%	n/a
Leverage Ratio	13.5% +0.6pp YoY -0.1pp QoQ	+1.3pp	12.2%	12.5%	12.6%	79%
Total Capital Ratio	n/a	n/a	19.9%	26.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	34 0 YoY 0 QoQ	-25	58	107	482	33%
Assets per Employee ($)	$7.9M +1.4% YoY +2.5% QoQ	+$383K	$7.5M	$7.8M	$8.8M	66%
Branch Count	2 0 YoY 0 QoQ	-3	4	7	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.7%	0.4%	n/a
Nonaccrual	0.5% -1.0pp YoY	-0.4pp	0.9%	0.8%	1.0%	54%
Allowance Coverage	2.83x +180.5% YoY	-21.32x	24.15x	12.16x	20.23x	57%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	21.5% -3.9pp YoY +0.4pp QoQ	+9.3pp	12.2%	9.7%	11.6%	91%
Cost of Funds (YTD)	2.0% -0.2pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.7%	1.7%	70%
Net Income ($, YTD)	$3.7M -10.0% YoY — QoQ	+$1.2M	$2.6M	$5.4M	$40.4M	78%

Get Full Access to North Valley Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Cost Spiral

risk

#8 of 138 • Bottom 5.1% 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: 45.95%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ

Liquidity Strain

risk

#337 of 691 • Bottom 48.6% 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: 107.55%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Return on Assets

profitability

Value: 2.82%

Peer Median: 1.32%

#73 of 2643 Top 2.7% in $100M-$1B

Net Interest Margin

profitability

Value: 5.41%

Peer Median: 3.99%

#96 of 2643 Top 3.6% in $100M-$1B

267

Efficiency Ratio

profitability

Value: 45.95%

Peer Median: 64.48%

#267 of 2643 Top 10.1% in $100M-$1B

Top Weaknesses (3 metrics)

2525

Loan-to-Deposit Ratio

liquidity

Value: 107.55%

Peer Median: 77.95%

#2525 of 2643 Bottom 4.5% in $100M-$1B

2384

Nonperforming Asset Ratio

credit_quality

Value: 1.71%

Peer Median: 0.67%

#2384 of 2643 Bottom 9.8% in $100M-$1B

2318

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2318 of 2643 Bottom 12.3% in $100M-$1B