BlastPoint's Banking Scorecard
North Valley Bank
Zanesville, OH
10 branches across OH
North Valley Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.54% above tier average
- + Delinquency Rate 0.08% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 17.3% in tier
- - Flatlined Growth: Bottom 43.2% in tier
- - ROA 0.27% below tier average
- - Efficiency Ratio 10.29% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$414.6M
+0.8% YoY
+1.3% QoQ
|
+$28.5M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
63% |
| Total Loans ? |
$317.3M
+4.6% YoY
+0.6% QoQ
|
+$61.5M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
70% |
| Total Deposits ? |
$363.7M
+0.8% YoY
+1.6% QoQ
|
+$35.8M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
65% |
| Return on Assets ? |
1.00%
+11.1% YoY
+12.0% QoQ
|
-0.27% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
4.47%
+7.5% YoY
+4.9% QoQ
|
+0.54% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
81% |
| Efficiency Ratio ? |
75.58%
+2.3% YoY
+0.4% QoQ
|
+10.29% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
0.81%
-26.2% YoY
-10.8% QoQ
|
-0.08% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
87.22%
+3.8% YoY
-1.0% QoQ
|
+10.58% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
22.30%
-0.0% YoY
-6.0% QoQ
|
+0.28% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.62%
-23.4% YoY
-11.4% QoQ
|
-0.02% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
10.35%
+7.6% YoY
+5.0% QoQ
|
-5.48% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.5% in tier |
| Non-Interest Income / Assets ? |
0.14%
-29.5% YoY
-80.9% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
70% |
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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 (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.