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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Zanesville, OH · FDIC certificate #2284
NORTH VALLEY BANK is an FDIC-insured institution based in Zanesville, OH (FDIC certificate #2284). In its Q3 2026 Call Report it reported total assets of $434M, total deposits of $382M and net loans of $323M. Its primary federal regulator is FED.
Plain-language readout
NORTH VALLEY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $434M in Q3 2026 and were lowest at $415M in Q1 2026.
Total deposits were highest at $382M in Q3 2026 and lowest at $364M in Q1 2026.
Over the whole period total assets rose 4.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $434M | $382M | $323M | 1.12% | 10.28% | 4.54% |
| Q2 2026 | $427M | $375M | $324M | 1.04% | 9.49% | 4.53% |
| Q1 2026 | $415M | $364M | $317M | 1.00% | 9.04% | 4.47% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.7M | $8.6M | +$157K | +1.8% |
| Federal funds sold | $17.9M | $11.3M | +$6.5M | +57.4% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $43.8M | $45.1M | -$1.2M | -2.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $2.3M | $0K | +$2.3M | n/a |
| Net loans and leases (after allowance) | $321.6M | $317.3M | +$4.4M | +1.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $12.8M | $12.8M | +$68K | +0.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $6.6M | $6.7M | -$80K | -1.2% |
| All other assets | $13.1M | $12.9M | +$197K | +1.5% |
| Total assets | $426.9M | $414.6M | +$12.3M | +3.0% |
| Liabilities | ||||
| Total deposits | $374.9M | $363.7M | +$11.1M | +3.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $3.5M | $3.5M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.1M | $1.8M | +$307K | +17.4% |
| Total liabilities | $380.4M | $369.0M | +$11.4M | +3.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $554K | $554K | $0K | 0.0% |
| Surplus | $20.4M | $20.4M | $0K | 0.0% |
| Retained earnings | $27.8M | $27.0M | +$793K | +2.9% |
| Accumulated other comprehensive income | -$2.3M | -$2.4M | +$100K | +4.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $46.4M | $45.6M | +$893K | +2.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.2M | $2.6M | -$341K | -13.3% |
| Adjusted nonperforming assets | $537K | $853K | -$316K | -37.0% |
| Tangible equity plus allowance | $42.3M | $41.4M | +$936K | +2.3% |
| Texas ratio (gross) | 5.26% | 6.20% | -0.94 pts | See points |
| Texas ratio (adjusted) | 1.27% | 2.06% | -0.79 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.27% | 2.06% | -0.79 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.05% | 10.35% | -0.30 pts | See points |
| Construction and land loans to total capital | 39.48% | 38.32% | +1.15 pts | See points |
| Commercial real estate to total capital | 174.21% | 174.40% | -0.19 pts | See points |
| Dividend payout, year to date | 32.27% | 34.11% | -1.84 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.96% | -7.35% | +0.39 pts | See points |
| Liquidity | ||||
| Core deposits | $365.0M | $351.9M | +$13.1M | +3.7% |
| Non-core funding | $13.4M | $15.3M | -$1.9M | -12.7% |
| Loans to core deposits | 88.79% | 90.85% | -2.07 pts | See points |
| Loans to deposits | 86.45% | 87.90% | -1.45 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | -0.00 pts | See points |
| Pledged securities share of securities | 18.50% | 19.16% | -0.66 pts | See points |
| Loans pledged, share of loans | 33.02% | 34.53% | -1.51 pts | See points |
| Volatile liabilities | $13.4M | $15.3M | -$1.9M | -12.7% |
| Earnings | ||||
| Earnings before provision, year to date | $2.6M | $1.2M | +$1.4M | +123.8% |
| Earnings before provision, single quarter | $1.4M | $1.2M | +$275K | +23.8% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.63% | 6.45% | +0.19 pts | See points |
| Yield on interest-bearing balances due from banks | 3.19% | 5.17% | -1.98 pts | See points |
| Total interest income to average assets | 5.58% | 5.52% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 2.02% | 1.88% | +0.14 pts | See points |
| Cost of savings and money market deposits | 1.53% | 1.31% | +0.22 pts | See points |
| Cost of time deposits | 3.25% | 3.41% | -0.16 pts | See points |
| Total interest expense to average assets | 1.48% | 1.44% | +0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $434M | $382M | $323M | 1.12% | 10.28% | 4.54% |
| 2026-06-30 | $427M | $375M | $324M | 1.04% | 9.49% | 4.53% |
| 2026-03-31 | $415M | $364M | $317M | 1.00% | 9.04% | 4.47% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $375.5M | 0.07% | 72 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.