Side-by-side · Q2 2026 data
North Valley Bank vs First American State Bank
Metric by metric
| Measure | North Valley Bank | First American State Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 62 |
| Capital cushion | 85 (stronger) | 47 |
| Loan quality | 82 | 92 (stronger) |
| Earnings | 100 (stronger) | 38 |
| Funding & liquidity | 45 | 53 (stronger) |
| Problem-loan coverage | 76 | 96 (stronger) |
| Peer percentile | 77th | 22nd |
| Total assets | $268.6M | $276.9M |
| Deposits / shares | $215.2M | $207.1M |
| Capital ratio | 13.52% (stronger) | 9.67% |
| Problem loans | 0.53% | 0.24% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 2.82% (stronger) | 0.44% |
| Loans ÷ deposits | 107.5% | 93.1% (stronger) |
| Uninsured deposits | 22.3% (stronger) | 27.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Valley Bank has the higher TellerScore (80 vs 62). On the 7 directional measures above (where higher or lower is clearly better), North Valley Bank leads on 5 and First American State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.