Side-by-side · Q2 2026 data
The First National Bank in Trinidad vs North Valley Bank
Metric by metric
| Measure | The First National Bank in Trinidad | North Valley Bank |
|---|---|---|
| TellerScore | 64 | 80 (stronger) |
| Capital cushion | 59 | 85 (stronger) |
| Loan quality | 68 | 82 (stronger) |
| Earnings | 41 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 45 |
| Problem-loan coverage | 85 (stronger) | 76 |
| Peer percentile | 26th | 77th |
| Total assets | $250.5M | $268.6M |
| Deposits / shares | $234.3M | $215.2M |
| Capital ratio | 10.89% | 13.52% (stronger) |
| Problem loans | 0.95% | 0.53% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.52% | 2.82% (stronger) |
| Loans ÷ deposits | 59.2% (stronger) | 107.5% |
| Uninsured deposits | 30.2% | 22.3% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Valley Bank has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank in Trinidad leads on 1 and North Valley Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.