North Valley Bank is a state-chartered bank headquartered in Thornton, Colorado, in business for about 63 years. At the end of Q2 2026 it reported $268.6M in total assets and $215.2M in deposits, with 2 offices.
North Valley Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 16th. Earnings contributes the most (100/100, 2.82%); funding & liquidity contributes the least (45/100, 108% loans-to-deposits, 22% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 9 points (71 → 80), mostly because the loan quality component improved by 32 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 85 |
| Q4 2024 | 70 |
| Q1 2025 | 71 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 86 |
| Q1 2026 | 86 |
| Q2 2026 | 80 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.72% |
| Q3 2024 | 12.80% |
| Q4 2024 | 12.62% |
| Q1 2025 | 12.78% |
| Q2 2025 | 12.91% |
| Q3 2025 | 13.12% |
| Q4 2025 | 13.42% |
| Q1 2026 | 13.59% |
| Q2 2026 | 13.52% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 1.59% |
| Q1 2025 | 1.54% |
| Q2 2025 | 1.51% |
| Q3 2025 | 1.54% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.53% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.58% |
| Q3 2024 | 2.79% |
| Q4 2024 | 2.86% |
| Q1 2025 | 3.24% |
| Q2 2025 | 3.19% |
| Q3 2025 | 3.10% |
| Q4 2025 | 2.99% |
| Q1 2026 | 2.77% |
| Q2 2026 | 2.82% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $268.6M | 13.52% | 0.53% | 2.82% | 107.5% |
| Q1 2026 | 86 | $262.0M | 13.59% | 0.00% | 2.77% | 107.6% |
| Q4 2025 | 86 | $260.4M | 13.42% | 0.00% | 2.99% | 105.7% |
| Q3 2025 | 71 | $259.0M | 13.12% | 1.54% | 3.10% | 108.3% |
| Q2 2025 | 71 | $264.9M | 12.91% | 1.51% | 3.19% | 108.9% |
| Q1 2025 | 71 | $261.8M | 12.78% | 1.54% | 3.24% | 106.3% |
| Q4 2024 | 70 | $250.5M | 12.62% | 1.59% | 2.86% | 107.8% |
| Q3 2024 | 85 | $256.3M | 12.80% | 0.00% | 2.79% | 107.0% |
| Q2 2024 | 85 | $247.2M | 12.72% | 0.00% | 2.58% | 107.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First American State BankBank Greenwood Village, CO | 62 out of 100, Moderate | $276.9M | 9.7% | 0.24% | vs |
| The Gunnison Bank and Trust CompanyBank Gunnison, CO | 90 out of 100, Very strong | $255.4M | 13.9% | 0.05% | vs |
| The First National Bank in TrinidadBank Trinidad, CO | 64 out of 100, Moderate | $250.5M | 10.9% | 0.95% | vs |
| First Pioneer National BankBank Wray, CO | 56 out of 100, Moderate | $243.4M | 12.5% | 2.79% | vs |
| Farmers BankBank Ault, CO | 51 out of 100, Below average | $297.3M | 13.0% | 6.35% | vs |
| Redstone BankBank Centennial, CO | 75 out of 100, Strong | $298.2M | 12.0% | 0.00% | vs |
Deposit insurance
Is my money safe at North Valley Bank?
Yes. North Valley Bank is an FDIC-insured institution (FDIC certificate #18710). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.3% of deposits ($48.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
North Valley Bank lists 2 offices in 2 cities. Most locations:
- Broomfield, CO (1)
- Thornton, CO (1)
Identity & history
Profile
- Legal name
- North Valley Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18710
- RSSD ID
- 350750
- Primary regulator
- FDIC
- Holding company
- Citizens Investment Co
- Established
- February 25, 1963
- Headquarters
- 9001 Washington St, Thornton, CO 80229
- Website
- www.nvbank.bank
- Employees
- 34
Quick answers
North Valley Bank: common questions
Is North Valley Bank FDIC insured?
Yes. North Valley Bank is an FDIC-insured institution (FDIC certificate #18710). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is North Valley Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has North Valley Bank ever failed?
There is no failure record for FDIC certificate #18710 in the FDIC failed bank list.
How many branches does North Valley Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Thornton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| AMG National Trust BankBank Boulder, CO | 94 out of 100, Very strong | $722.9M | 15.4% | 0.04% | vs |
| Star Tech Federal Credit UnionCredit union Greenwood Villa, CO | 91 out of 100, Very strong | $11.1M | 22.2% | 0.38% | vs |
| Denver Fire Department Federal Credit UnionCredit union Denver, CO | 89 out of 100, Very strong | $213.5M | 14.2% | 0.09% | vs |
| 5Star BankBank Colorado Springs, CO | 87 out of 100, Very strong | $378.2M | 17.2% | 0.16% | vs |
| Transact Bank, National AssociationBank Denver, CO | 86 out of 100, Very strong | $6.5M | 16.3% | 0.00% | vs |
| Affidian Federal Credit UnionCredit union Denver, CO | 85 out of 100, Very strong | $360.1M | 18.9% | 0.85% | vs |