Grand Valley Bank
Heber City, UT · Cert 24922 · Peer group: banks under $1B in assets (n=581-629) · 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 91 of 581).
- Widest gap: total risk-based capital ratio trails 76% of banks under $1B in assets (rank 480 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.18%
Rank 250 of 629
Net Interest Margin
3.45%
Rank 338 of 629
Efficiency Ratio
60.39%
Rank 185 of 629
Equity / Assets
9.21%
Rank 456 of 629
Non-interest income vs. expense
Unfavorable gap of $12.2M · efficiency ratio beats 71% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.60% | 1.01% | 1.45% | Beats 60% | 250 / 629 | | |
| Return on Equity | 12.80% | 5.38% | 9.30% | 13.28% | Beats 72% | 178 / 629 | | |
| Net Interest Margin | 3.45% | 3.03% | 3.54% | 4.05% | Beats 46% | 338 / 629 | | |
| Efficiency Ratio | 60.39% | 58.35% | 67.79% | 79.08% | Beats 71% | 185 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.46% | 1.20% | Beats 85% | 91 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 60% | 236 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.47% | 11.24% | 13.84% | 18.77% | Beats 28% | 455 / 629 | | |
| Total Risk-Based Capital Ratio | 11.47% | 11.58% | 14.43% | 19.66% | Beats 24% | 480 / 629 | | |
| Equity / Assets | 9.21% | 9.09% | 10.65% | 13.80% | Beats 28% | 456 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 53.02% | 67.24% | 80.90% | 93.48% | 12th pctl | 520 / 594 | | |
| Loans / Assets | 47.88% | 53.31% | 67.71% | 78.15% | 19th pctl | 507 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |