North Valley Bank (CA)

1327 South Street
Redding, CA 96001
800-750-7077
www.novb.com

FDIC

OverView
Rates
Health
Reviews

North Valley Bank (CA) is headquartered in Redding and is the 56^th largest bank in the state of California. It is also the 738^th largest bank in the nation. It was established in 1973 and as of December of 2012, it had grown to 316 employees at 26 locations. North Valley Bank (CA) has a 4-star health rating.

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

North Valley Bank (CA) Checking Account Rates

Apy	Min	Max	Product
0.10%	$25k	$1m	Interest Checking
0.10%	$100k	-	Business Interest Checking
0.02%	-	-	50+ Interest Checking
0.02%	-	-	Membership Banking Checking

North Valley Bank (CA) Savings Account Rates

Apy	Min	Max	Product
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

	Apy	Min	Max	Product
	0.20%	$100k	$1m	Wall Street Money Market

North Valley Bank (CA) CD Rates

Apy	Min	Max	Product
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

Apy	Min	Max	Product
0.60%	$100k	-	4 Year Fixed Rate IRA
0.60%	$100k	-	4 Year Fixed Rate Roth IRA
0.60%	$100k	-	4 Year Fixed Rate SEP IRA
0.50%	$100k	-	3 Year Fixed Rate IRA
0.50%	$100k	-	3 Year Fixed Rate Roth IRA
0.50%	$100k	-	3 Year Fixed Rate SEP IRA
0.35%	$100k	-	2 Year Fixed Rate IRA
0.35%	$100k	-	2 Year Fixed Rate Roth IRA
0.35%	$100k	-	2 Year Fixed Rate SEP IRA
0.30%	$100k	-	18 Month Fixed Rate IRA
0.30%	$100k	-	18 Month Fixed Rate Roth IRA
0.30%	$100k	-	18 Month Fixed Rate SEP IRA
0.25%	$100k	-	1 Year Fixed Rate IRA
0.25%	$100k	-	1 Year Fixed Rate Roth IRA
0.25%	$100k	-	1 Year Fixed Rate SEP IRA
0.15%	$10k	-	180 Day Fixed Rate IRA
0.15%	$100	-	Variable IRA
0.15%	$10k	-	180 Day Fixed Rate Roth IRA
0.15%	$100	-	Variable Roth IRA
0.15%	$10k	-	180 Day Fixed Rate SEP IRA
0.15%	$100	-	Variable SEP IRA
0.10%	$10k	-	60 Day Fixed Rate IRA
0.10%	$500	-	90 Day Fixed Rate IRA
0.10%	$10k	-	60 Day Fixed Rate Roth IRA
0.10%	$500	-	90 Day Fixed Rate Roth IRA
0.10%	$10k	-	60 Day Fixed Rate SEP IRA
0.10%	$500	-	90 Day Fixed Rate SEP IRA
0.05%	$500	-	30 Day Fixed Rate IRA
0.05%	$500	-	30 Day Fixed Rate Roth IRA
0.05%	$500	-	30 Day Fixed Rate SEP IRA

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

North Valley Bank
OTS #	12313
FDIC Certificate #	20959
BankRate Report	View
Year Established	1973
Employees	316
Primary Regulator	FED
Assets and Liabilities
Assets	$898.09 million
Loans	$481.75 million
Deposits	$769.61 million
Equity Capital	$113.38 million
Loan Loss Allowance	$10.46 million
Unbacked Noncurrent Loans	$5.84 million
Real Estate Owned	$22.42 million
Historic Data - December 2011
Assets	$900.52 million
Equity Capital	$121.30 million
Loan Loss Allowance	$12.66 million
Unbacked Noncurrent Loans	$18.41 million
Real Estate Owned	$20.11 million
Profit Margin - Quarterly
Net Interest Margin	3.97%
Return on Assets	0.92%
Return on Equity	7.13%
Interest Income	$33.73 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 North Valley Bank (CA) had $28.26 million in non-current loans and owned real-estate with $123.84 million in equity and loan loss allowances on hand to cover it. This gives North Valley Bank (CA) a Texas Ratio of 22.82% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for North Valley Bank (CA) decreased slightly from 28.75% as of December 31, 2011 to 22.82% as of December 31, 2012, resulting in a positive change of 20.64%.This indicates that the balance sheet and financial strength for North Valley Bank (CA) has improved slightly in recent periods.
Deposit Growth
In the past year, North Valley Bank (CA) has increased its total deposits by $2.11 million, resulting in 0.27% 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 average.
Capitalization
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 $898.09 million in assets with $123.84 million in equity, resulting in a capitalization level of 13.79%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.