BlastPoint's Banking Scorecard
North Valley Bank
Micro
Specialty: Commercial
CO
FDIC cert 18710
Designations: ✓ Community bank
Thornton, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
North Valley Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.91% above tier
- + Net Interest Margin 1.77% above tier
- + Efficiency Ratio 24.93% below tier
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 31.21% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$260.4M
+3.9% YoY
+0.5% QoQ
|
+$42.9M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$227.2M
+2.1% YoY
-0.1% QoQ
|
+$88.0M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$214.9M
+4.1% YoY
+2.3% QoQ
|
+$31.2M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
2.99%
+4.5% YoY
-3.4% QoQ
|
+1.91% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.62%
+6.8% YoY
-0.3% QoQ
|
+1.77% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
42.79%
-1.3% YoY
+2.8% QoQ
|
-24.93% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
105.74%
-1.9% YoY
-2.4% QoQ
|
+31.21% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.84%
-6.6% YoY
-2.8% QoQ
|
-3.55% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
1.15%
-19.7% YoY
-16.4% QoQ
|
+0.70% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.16%
-15.7% YoY
+31.8% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.99%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.62%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.79%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
105.74%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
98
98th pctile
Return on Assets
Current: 2.99% · Tier avg: 1.08%
97
97th pctile
Efficiency Ratio
Current: 42.79% · Tier avg: 67.73%
96
96th pctile
Net Interest Margin
Current: 5.62% · Tier avg: 3.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 105.74% · Tier avg: 74.53%
80
80th pctile
Total Loans
Current: $227.2M · Tier avg: $139.2M
64
64th pctile
Total Assets
Current: $260.4M · Tier avg: $217.5M
63
63th pctile
Total Deposits
Current: $214.9M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.84% · Tier avg: 22.39%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.45%
Top Weaknesses
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.45%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.84% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Total Deposits
Current: $214.9M · Tier avg: $183.7M
64
64th pctile
Total Assets
Current: $260.4M · Tier avg: $217.5M
80
80th pctile
Total Loans
Current: $227.2M · Tier avg: $139.2M
95
95th pctile
Loan-to-Deposit Ratio
Current: 105.74% · Tier avg: 74.53%
96
96th pctile
Net Interest Margin
Current: 5.62% · Tier avg: 3.85%
97
97th pctile
Efficiency Ratio
Current: 42.79% · Tier avg: 67.73%
98
98th pctile
Return on Assets
Current: 2.99% · Tier avg: 1.08%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%