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Overview / Commentary
9001 North Washington Street
Thornton, CO 80229

North Valley Bank (CO) is headquartered in Thornton and is the 55th largest bank in the state of Colorado. It is also the 3,895th largest bank in the nation. It was established in 1963 and as of March of 2014, it had grown to 41 employees at 3 locations. North Valley Bank (CO) has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


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 (CO) had $4.06 million in non-current loans and owned real-estate with $16.06 million in equity and loan loss allowances on hand to cover it. This gives North Valley Bank (CO) a Texas Ratio of 25.31% 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 (CO) experienced no significant changes from 21.77% as of March 31, 2013 to 25.31% as of March 31, 2014, resulting in a negative change of 16.22%. This indicates that the balance sheet and financial strength for North Valley Bank (CO) has had no significant changes in recent periods.

Deposit Growth


In the past year, North Valley Bank (CO) has increased its total deposits by $6.2 million, resulting in 5.21% 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 $139.69 million in assets with $16.06 million in equity, resulting in a capitalization level of 11.50%, which is excellent.

Institution Statistics

FDIC Certificate #18710
Year Established1963
Primary RegulatorFDIC
Assets and Liabilities
Assets$139.69 million
Loans$102.69 million
Deposits$125.20 million
Equity Capital$14.25 million
Loan Loss Allowance$1.82 million
Unbacked Noncurrent Loans$1.29 million
Real Estate Owned$2.78 million
Historic Data - March 2013
Assets$133.86 million
Equity Capital$13.10 million
Loan Loss Allowance$2.01 million
Unbacked Noncurrent Loans$1.29 million
Real Estate Owned$2.02 million
Profit Margin - Quarterly
Net Interest Margin4.84%
Return on Assets1.45%
Return on Equity14.23%
Interest Income$1.59 million

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North Valley Bank (CO) Savings Account Rates

0.10%--Regular Savings Account
0.10%--Business Savings Account

North Valley Bank (CO) Money Market Rates

0.20%$25k-Money Market Account
0.20%$25k-Business Money Market Account

North Valley Bank (CO) Checking Account Rates

0.10%--Checking Account
0.10%$1k-Business Checking Account
0.10%$1k-Business Now Checking

North Valley Bank (CO) CD Rates

2.00%$500-10 Year CD
2.00%$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

North Valley Bank (CO) IRA Rates

0.30%$100-18 Month Fixed IRA

North Valley Bank (CO) Locations
Broomfield Town Centre Branch1210 East First Ave.Broomfield, CO 80020
Federal Heights Branch8410 Umitilla StFederal Heights, CO 80260
North Valley Bank9001 North Washington StreetThornton, CO 80229