Grand Valley Bank
Heber City, UT · Cert 24922 · Peer group: banks under $1B in assets (n=570-617) · Sagebrush Partners LLLP
State charter, non-member · FDIC · 9 branches
Q2 2026
$599.4MAssets
$287.0MLoans
$541.3MDeposits
$55.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of banks under $1B in assets (rank 89 of 570).
- Widest gap: total risk-based capital ratio trails 76% of banks under $1B in assets (rank 469 of 617).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.18%
Rank 249 of 617
Net Interest Margin
3.45%
Rank 337 of 617
Efficiency Ratio
60.39%
Rank 186 of 617
Equity / Assets
9.21%
Rank 440 of 617
Non-interest income vs. expense
Unfavorable gap of $12.2M · efficiency ratio beats 70% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.60% | 1.01% | 1.45% | Beats 60% | 249 / 617 | |
| Return on Equity | 12.80% | 5.30% | 9.43% | 13.30% | Beats 71% | 178 / 617 | |
| Net Interest Margin | 3.45% | 3.04% | 3.54% | 4.05% | Beats 45% | 337 / 617 | |
| Efficiency Ratio | 60.39% | 58.03% | 67.76% | 79.08% | Beats 70% | 186 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.47% | 1.27% | Beats 85% | 89 / 570 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 58% | 239 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 11.47% | 11.18% | 13.83% | 18.55% | Beats 28% | 443 / 617 | |
| Total Risk-Based Capital Ratio | 11.47% | 11.56% | 14.39% | 19.39% | Beats 24% | 469 / 617 | |
| Equity / Assets | 9.21% | 9.03% | 10.55% | 13.63% | Beats 29% | 440 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 53.02% | 64.77% | 79.70% | 93.06% | 14th pctl | 503 / 582 | |
| Loans / Assets | 47.88% | 51.70% | 67.18% | 77.51% | 21st pctl | 488 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |