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Overview / Commentary
800-750-7077
1327 South Street
Redding, CA 96001

North Valley Bank (CA) is headquartered in Redding and is the 57th largest bank in the state of California. It is also the 743rd largest bank in the nation. It was established in 1973 and as of March of 2014, it had grown to 299 employees at 24 locations. North Valley Bank (CA) has a A+ health rating.

Reviews (1)

Old School But Effective

While this bank doesn't have some of the great technology of mega-banks  I'm pretty happy with the customer service.  It has small town good service and they do fix a problem with a desire to please the customer.  I've appreciated it after getting stuck with unexpected fees here and there at mega-banks.  



Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 North Valley Bank (CA) had $7.44 million in non-current loans and owned real-estate with $119.6 million in equity and loan loss allowances on hand to cover it. This gives North Valley Bank (CA) a Texas Ratio of 6.22% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for North Valley Bank (CA) decreased dramatically from 22.39% as of March 31, 2013 to 6.22% as of March 31, 2014, resulting in a positive change of 72.23%.This indicates that the balance sheet and financial strength for North Valley Bank (CA) has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, North Valley Bank (CA) has increased its total deposits by $11.33 million, resulting in 1.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth North Valley Bank (CA) has shown is above average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. North Valley Bank (CA) has $913.13 million in assets with $119.6 million in equity, resulting in a capitalization level of 13.10%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #20959
Year Established1973
Employees299
Primary RegulatorFED
Assets and Liabilities
Assets$913.13 million
Loans$499.00 million
Deposits$787.48 million
Equity Capital$110.55 million
Loan Loss Allowance$9.06 million
Unbacked Noncurrent Loans$4.81 million
Real Estate Owned$2.63 million
Historic Data - March 2013
Assets$906.15 million
Equity Capital$114.57 million
Loan Loss Allowance$9.65 million
Unbacked Noncurrent Loans$4.81 million
Real Estate Owned$21.37 million
Profit Margin - Quarterly
Net Interest Margin3.85%
Return on Assets0.67%
Return on Equity5.58%
Interest Income$8.12 million
Rates

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North Valley Bank (CA) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%--Health Savings Account
0.05%--Holiday Club Account
0.03%--Savings Account
0.03%--Smartsavers Account
0.03%--Business Savings Account

North Valley Bank (CA) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$100k$1mWall Street Money Market

North Valley Bank (CA) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$25k$1mInterest Checking
0.10%$100k-Business Interest Checking
0.02%--50+ Interest Checking
0.02%--Membership Banking Checking

North Valley Bank (CA) CD Rates

DetailsAPYMINMAXPRODUCT
0.60%$100k-4 Year CD
0.50%$100k-3 Year CD
0.35%$100k-2 Year CD
0.30%$100k-18 Month CD
0.25%$100k-1 Year CD
0.15%$10k-180 Day CD
0.15%$100-1 Year Variable CD
0.10%$10k-60 Day CD
0.10%$500-90 Day CD
0.05%$500-30 Day CD

North Valley Bank (CA) IRA Rates

DetailsAPYMINMAXPRODUCT
0.60%$100k-4 Year Fixed Rate IRA
0.50%$100k-3 Year Fixed Rate IRA
0.35%$100k-2 Year Fixed Rate IRA
0.30%$100k-18 Month Fixed Rate IRA
0.25%$100k-1 Year Fixed Rate IRA
0.15%$10k-180 Day Fixed Rate IRA
0.15%$100-Variable IRA
0.10%$10k-60 Day Fixed Rate IRA
0.10%$500-90 Day Fixed Rate IRA
0.05%$500-30 Day Fixed Rate IRA
Locations

North Valley Bank (CA) has 22 locations. Click to view all North Valley Bank (CA) locations.