North Valley Bank (FDIC #2284): Bank Stress & Real-Estate Credit Exposure
North Valley Bank (FDIC Cert #2284): bank stress 67/100, elevated, STABLE over 7 days; parent NORTH VALLEY BANCSHARES INC.
North Valley Bank (#2284) lends in 7 counties across 1 state; North Valley Bank (#2284) reaches 99 ZIP codes: Ohio 7 counties, 99 ZIPs.
North Valley Bank (#2284) largest markets: Licking County, OH (60 branches, 30 ZIPs) (#2284), Muskingum County, OH (69 branches, 23 ZIPs) (#2284), Fairfield County, OH (19 branches, 19 ZIPs) (#2284), Pickaway County, OH (17 branches, 17 ZIPs) (#2284), Perry County, OH (17 branches, 17 ZIPs) (#2284), Madison County, OH (12 branches, 12 ZIPs) (#2284).
North Valley Bank (#2284) reports $426.9 million in total assets; North Valley Bank (#2284) equity $46.4 million (10.9% of North Valley Bank (#2284) assets); North Valley Bank (#2284) domestic deposits $374.9 million; North Valley Bank (#2284) net income $2.2 million; North Valley Bank (#2284) return on assets 1.04%; North Valley Bank (#2284) return on equity 9.49%; North Valley Bank (#2284) net interest income $8.6 million; North Valley Bank (#2284) call report June 30, 2026.
North Valley Bank (#2284) noncurrent real-estate loans 0.02% of its book; North Valley Bank (#2284) residential 0.01%; North Valley Bank (#2284) net charge-offs on real estate 0.74%; North Valley Bank (#2284) residential charge-offs 1.43%.
North Valley Bank (#2284) net interest margin 4.53% against an eight-quarter North Valley Bank (#2284) average of 4.19% (North Valley Bank (#2284) compression -0.33 points); North Valley Bank (#2284) real-estate loans 1.6% of equity; North Valley Bank (#2284) non-residential real estate 142.7% of equity; North Valley Bank (#2284) rate-exposure score 40/100, North Valley Bank (#2284) fixed-rate trap 40/100; North Valley Bank (#2284) risk type credit driven; North Valley Bank (#2284) rate regime rates elevated, North Valley Bank (#2284) snapshot October 20, 2026.
North Valley Bank (#2284) stress score moved from 65.5 on June 22, 2026 to 66.6 on October 20, 2026; North Valley Bank (#2284) ranged 65.5 to 66.6 over 117 snapshots.
North Valley Bank (#2284) alerts: 7 counties; top North Valley Bank (#2284) alert scores: Hebron County, OH 23 (low); Malta County, OH 23 (low); Millersport County, OH 23 (low); Mount Sterling County, OH 23 (low); New Holland County, OH 23 (low).