North Valley Bank
Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.8. A current level of 2.5 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Good asset quality (6.2).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.5) profitability.
Asset Mix:
Home mtgs (27%), comm re (24%), securities (11%), home eq lns (4%), comm loans (3%), consumer loans (3%), cash (2%), other (27%)
States with Branches:
OH
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
North Valley Bancshares, Inc.
Investment Rating
--
Address
2775 Maysville Pike
Zanesville, OH 43701
Zanesville, OH 43701
Phone Number
(740) 450-2265
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.