North Valley Bank
North Valley Bank is a Colorado community bank founded in 1963, operating two branches in Thornton and Broomfield. It serves consumers, small-to-medium businesses, and government entities in the North Denver Metro area with deposit products, personal and commercial loans, and standard digital banking services.
- Company typePrivate
- Founded1963
- HeadquartersRedding, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What North Valley Bank does
North Valley Bank is a state-chartered community bank headquartered at 9001 North Washington Street in Thornton, Colorado, with a second branch in Broomfield. Founded in February 1963, the bank operates as the oldest independent bank in the North Denver Metro area, serving individual consumers, small-to-medium businesses, and government/public entities across an 8-county service area spanning Adams, Arapahoe, Denver, Douglas, Jefferson, Weld, Boulder, and Broomfield counties. The bank's value proposition centers on relationship-based banking, local decision-making on credit, and competitive deposit pricing as an alternative to credit unions and larger regional banks.
The product set spans retail deposit products (free personal checking, interest-bearing NOW accounts, statement savings, money market, certificates of deposit with terms from 3 months to 5 years, traditional and Roth IRAs), personal lending (installment loans, home equity loans and lines of credit, overdraft protection), and a full business banking suite including business checking with transaction-based fees, business money market, construction loans, real estate mortgages for residential rental and commercial properties, fix-and-flip loans, equipment loans, lines of credit, letters of credit, and small business loans. The technology stack is built on third-party industry-standard platforms: Banno Online Internet Banking with multi-factor authentication, NetTeller Cash Management for business cash management, Remote Deposit Capture for business check deposits, the Banno Mobile Banking app for iOS and Android, and the i-Talk 24-hour telephone banking service. The bank is FDIC-insured, holds Equal Housing Lender designation, has achieved fTLD CyberSecurity Pioneer status, and maintains six S.A.F.E. Act-registered mortgage loan originators.
North Valley Bank's revenue model follows the standard community bank model: net interest spread on loans funded by deposits, supplemented by fee income from account service charges (e.g., $6.50/month business checking, $10/month for interest-bearing accounts when balances fall below minimums), $15/year MasterCard debit card fees, safe deposit box rentals ($25-$125 annually by size), and transaction fees on business deposit accounts. The bank reports assets in excess of $200 million (with a $160M alternative disclosure on the same About Us page, likely reflecting different measurement periods). Ownership is privately held and local, with no disclosed parent company, subsidiaries, institutional investors, or capital raises. Leadership consists of Michael J. Cushman (President & CEO), Roger D. Nash (EVP & CCO), and Scott R. Louis (EVP & COO). No mergers, acquisitions, or restructuring activity is disclosed.
North Valley Bank firmographics
Firmographics- Name
- North Valley Bank
- Legal name
- North Valley Bank
- Website
- https://nvbank.bank
- Company type
- Private
- Founded year
- 1963
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- North Valley Bank is a Colorado community bank founded in 1963, operating two branches in Thornton and Broomfield. It serves consumers, small-to-medium businesses, and government entities in the North Denver Metro area with deposit products, personal and commercial loans, and standard digital banking services.
- Ownership category
- akta.pro rank
North Valley Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Savings Banks (Public/State-Owned) (FSABAKAK)
Keywords
Where North Valley Bank is headquartered
LocationHeadquarters
- HQ city
- Redding
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
North Valley Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income on Loans: Primary revenue from interest charged on personal and business loans including construction loans, mortgages, lines of credit, equipment loans, and personal installment loans.
- Deposit Account Fees: Monthly service charges on checking, savings, and money market accounts when balance falls below minimum thresholds. Transaction fees per debit, deposit, and item deposited.
- ATM and Card Fees: Annual fees for MasterCard debit cards ($15/year), surcharges for foreign ATM withdrawals, and fees for additional ATM transactions beyond free allowances.
- Paper Statement Fees: $3 monthly fee for customers requesting paper statements instead of electronic statements.
- Safe Deposit Box Rental: Annual rental fees ranging from $25 to $125 depending on box size, plus $25 refundable key deposit.
- Cash Management Services: Business cash management features including wire transfers and ACH transactions subject to approval and application.
- Certificate of Deposit Interest: Interest paid to depositors on CDs; bank profits on spread between loan rates and deposit rates.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Business Checking - No minimum balance, transaction-based fees |
| Subscription | Monthly | Business Checking with Interest - Requires $1,000 minimum balance |
| Subscription | Monthly | Business Money Market - $1,000 minimum balance |
| Other | Monthly | Free Personal Checking - No minimum balance required |
| Subscription | Monthly | Personal Checking with Interest - $1,000 minimum balance |
| Subscription | Monthly | Personal Statement Savings - $100 minimum balance |
| Subscription | Monthly | Personal Money Market - $1,000 minimum balance |
| Other | Monthly | 55 Plus Checking - No minimum balance |
| Subscription | Annual | MasterCard Debit Card - Annual Fee |
| Unit Pricing | Annual | Safe Deposit Boxes - Annual rental by size |
| Subscription | Monthly | Electronic Statements - Default for new accounts |
| Transaction based/ take rate | Pay-as-you-go | ATM Fees - Free at NVB ATMs, charges for others |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels1 record
North Valley Bank product offering
Product offeringCore offering
North Valley Bank is a locally owned community bank offering personal and business deposit products (checking, savings, money market, CDs, IRAs), consumer and commercial lending (personal installment loans, home equity loans, construction loans, fix-and-flip loans, business loans, equipment financing, lines of credit, letters of credit), debit card services, cash management for businesses, safe deposit boxes, and electronic banking delivered through online, mobile, and telephone channels. The bank serves the North Denver Metro area of Colorado through two branches and digital channels.
Product overview
North Valley Bank is a community bank offering a unified banking platform with multiple product lines for personal and business customers. The core offerings include Banno Online™ Internet Banking (online/mobile banking platform) and NetTeller™ Cash Management, supplemented by deposit products (checking, savings, CDs, IRAs), lending products (personal loans, home equity, business loans, construction loans, credit cards), and convenience services (mobile banking, bill pay, telephone banking, remote deposit capture). The bank serves the Denver metro area with two physical branches and digital banking services.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts
Companies that use North Valley Bank
Customer profileSegments3 records
Ideal customer profiles3 records
North Valley Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature5 records
North Valley Bank partnerships and signals
Strategic signalScale indicators5 records
Recent moves5 records
Expansion highlights4 records
North Valley Bank competitors and assessment
Company assessmentBroad incumbents
- Glacier Bancorp: Multi-state community bank holding company that has actively acquired Colorado community banks. Comparable operating model at consolidated level, with a track record of consolidating community banks in growth markets like Denver metro.
- Heartland Financial USA: Diversified community bank holding company operating across the Mountain West, Midwest, and Southwest. Comparable business model emphasizing community banking, SBA lending, and commercial real estate finance.
- UMB Financial Corporation: Kansas City-based regional bank holding company with presence across multiple states. Comparable diversified community/commercial banking model with emphasis on commercial, treasury, and personal banking services.
- First Interstate BancSystem: Community bank holding company with Western U.S. footprint including Colorado. Comparable community banking model with personal and business banking, lending, and local decision-making at branch level across multiple states.
- CoBank: Denver-headquartered cooperative bank serving the Farm Credit System, agribusiness, and rural infrastructure. Comparable Colorado-rooted depository institution, though operating at much larger scale and broader mission than North Valley Bank.
Direct peers
- Flatirons Bank: Boulder, Colorado community bank serving individuals and businesses in the Front Range. Directly comparable on size, geography, and product mix — personal banking, business checking, construction lending, and local decision-making emphasis.
- Alpine Banks of Colorado: Family-owned community bank with multiple branches across Colorado. Comparable community bank model with personal and business banking, construction lending, and emphasis on local relationships in the same Front Range market.
- Cache Bank: Colorado-based community bank that operated in the Denver metro area with similar SMB and real estate lending focus. Closely comparable in scale and target market to North Valley Bank before its acquisition by Glacier Bancorp.
Others
- Bellco Credit Union: Denver-headquartered credit union serving the Colorado Front Range with consumer and business banking products. Competes directly with North Valley Bank for household deposits and consumer lending in the same metro market.
- Elevations Credit Union: Boulder/Denver-area credit union directly competing with North Valley Bank for retail deposits, mortgage lending, and consumer relationships in the same geographic market. North Valley Bank explicitly positions against credit unions like Elevations.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
North Valley Bank social profiles
Digital presenceNorth Valley Bank compliance and trust
Trust signalCompliance4 records
North Valley Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
North Valley Bank leadership team
Management profileNumber of profiles
Profiles3 records
North Valley Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
North Valley Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about North Valley Bank
What does North Valley Bank do?
North Valley Bank is a locally owned community bank offering personal and business deposit products (checking, savings, money market, CDs, IRAs), consumer and commercial lending (personal installment loans, home equity loans, construction loans, fix-and-flip loans, business loans, equipment financing, lines of credit, letters of credit), debit card services, cash management for businesses, safe deposit boxes, and electronic banking delivered through online, mobile, and telephone channels. The bank serves the North Denver Metro area of Colorado through two branches and digital channels.
Is North Valley Bank a public or private company?
North Valley Bank is a private company. It is classified as unknown and is currently operating.
When was North Valley Bank founded?
North Valley Bank was founded in 1963. It employs 1,001 to 5,000 people.
Where is North Valley Bank based?
North Valley Bank is headquartered in Redding, United States, in the North America region.
How does North Valley Bank make money?
Seven revenue lines are on record. Interest Income on Loans are the primary driver. The others are deposit Account Fees, ATM and Card Fees, paper Statement Fees, safe Deposit Box Rental, cash Management Services and certificate of Deposit Interest.
Who are North Valley Bank's main competitors?
Broad incumbents on record are Glacier Bancorp, Heartland Financial USA, UMB Financial Corporation, First Interstate BancSystem and CoBank. Direct peers are Flatirons Bank, Alpine Banks of Colorado and Cache Bank. Others are Bellco Credit Union and Elevations Credit Union.
Does North Valley Bank have an API?
No public API is recorded for North Valley Bank.
What industry is North Valley Bank in?
North Valley Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAKAK, Savings Banks (Public/State-Owned). Its NAICS code is 52211 and its SIC code is 6022.