North Valley Bank (CO) is headquartered in Thornton and is the 55th largest bank in the state of Colorado. It is also the 3,925th largest bank in the nation. It was established in 1963 and as of December of 2013, it had grown to 41 employees at 3 locations. North Valley Bank (CO) has a B+ health rating.
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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, 2013 North Valley Bank (CO) had $3.8 million in non-current loans and owned real-estate with $16 million in equity and loan loss allowances on hand to cover it. This gives North Valley Bank (CO) a Texas Ratio of 23.75% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for North Valley Bank (CO) decreased slightly from 32.13% as of December 31, 2012 to 23.75% as of December 31, 2013, resulting in a positive change of 26.07%.This indicates that the balance sheet and financial strength for North Valley Bank (CO) has improved slightly in recent periods.
In the past year, North Valley Bank (CO) has increased its total deposits by $10.19 million, resulting in 9.03% 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 (CO) has shown is excellent.
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 (CO) has $138.13 million in assets with $16 million in equity, resulting in a capitalization level of 11.58%, which is excellent.
|FDIC Certificate #||18710|
|Assets and Liabilities|
|Equity Capital||$14.04 million|
|Loan Loss Allowance||$1.96 million|
|Unbacked Noncurrent Loans||$991,000|
|Real Estate Owned||$2.81 million|
|Historic Data - December 2012|
|Equity Capital||$13.34 million|
|Loan Loss Allowance||$2.11 million|
|Unbacked Noncurrent Loans||$991,000|
|Real Estate Owned||$3.37 million|
|Profit Margin - Quarterly|
|Net Interest Margin||5.02%|
|Return on Assets||1.23%|
|Return on Equity||12.16%|
|Interest Income||$6.41 million|
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|0.10%||-||-||Regular Savings Account|
|0.10%||-||-||Business Savings Account|
|0.20%||$25k||-||Money Market Account|
|0.20%||$25k||-||Business Money Market Account|
|0.10%||$1k||-||Business Checking Account|
|0.10%||$1k||-||Business Now Checking|
|2.50%||$500||-||10 Year CD|
|2.50%||$100k||-||10 Year Jumbo CD|
|1.00%||$500||-||5 Year CD|
|1.00%||$100k||-||5 Year Jumbo CD|
|0.65%||$500||-||3 Year CD|
|0.65%||$100k||-||3 Year Jumbo CD|
|0.50%||$500||-||4 Year CD|
|0.50%||$100k||-||4 Year Jumbo CD|
|0.40%||$500||-||2 Year CD|
|0.40%||$100k||-||2 Year Jumbo CD|
|0.30%||$500||-||18 Month CD|
|0.30%||$500||-||30 Month CD|
|0.30%||$100k||-||18 Month Jumbo CD|
|0.30%||$100k||-||30 Month Jumbo CD|
|0.25%||$500||-||1 Year CD|
|0.25%||$100k||-||1 Year Jumbo CD|
|0.20%||$500||-||6 Month CD|
|0.20%||$100k||-||6 Month Jumbo CD|
|0.17%||$500||-||3 Month CD|
|0.17%||$100k||-||3 Month Jumbo CD|
|0.15%||$500||-||1 Month CD|
|0.15%||$100k||-||1 Month Jumbo CD|
|0.30%||$100||-||18 Month Fixed IRA (Traditional,Roth,CESA)|
|North Valley Bank (CO) Locations|
|Broomfield Town Centre Branch||1210 East First Ave.||Broomfield, CO 80020|
|Federal Heights Branch||8410 Umitilla St||Federal Heights, CO 80260|
|North Valley Bank||9001 North Washington Street||Thornton, CO 80229|