PackageTrendsPeer
Letter portraitLegal landscape

Pacific Valley Bank

Salinas, CA · Cert 57740 · Pacific Valley Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

46

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

50

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pacific Valley Bank

Salinas, CA · Cert 57740 · Pacific Valley Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$653.3MAssets
$547.2MLoans
$570.5MDeposits
$79.2MEquity
Loan mix
90%RE $455.7M10%C&I $50.8M0%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $389.0M32%Noninterest $181.5MQ2 2025Q2 2026

NIM

5.35%Q2 ’245.34%Q2 ’255.38%Q2 ’26+0%+7%

Non-interest income vs. expense

2.43%Q2 ’242.77%Q2 ’252.73%Q2 ’26+14%+3%

Market Position · Salinas, CA · 2026 SOD (annual) · 4.6% share · #7 of 13 inst. · $0.6B of $11.9B

4.6% Monterey
0.2% Santa Cruz

Executive Summary

  • Earnings: ROA of 0.87%, up 13 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.24% of loans (+19 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 12.60%, down 77 bps from a year ago.
  • Funding: loans stand at 95.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+26 bps YoY

Efficiency Ratio (YTD, annualized)

67.79%-366 bps YoY

Tier 1 Leverage Ratio

12.60%-77 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.74%0.68%0.79%0.87%+13 bps
Return on Equity5.95%5.94%5.67%6.80%7.38%+143 bps
Net Interest Margin3.54%3.45%3.48%3.77%3.79%+26 bps
Efficiency Ratio71.45%71.53%72.21%70.22%67.79%-366 bps
Non-Interest Burden2.43%2.38%2.43%2.58%2.50%+7 bps
Growth
Asset Growth (YoY)7.21%8.24%8.32%11.32%14.09%+688 bps
Loan Growth (YoY)9.55%10.21%10.25%7.69%9.58%+3 bps
Deposit Growth (YoY)6.71%8.99%8.64%13.93%16.19%+948 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.05%0.22%0.60%0.24%+19 bps
Net Charge-Offs / Loans-0.02%-0.02%0.00%-0.02%-0.02%0 bps
Allowance / Loans1.54%1.49%1.47%1.49%1.45%-9 bps
Allowance Coverage of NPLs33.4x31.7x6.6x2.5x6.1x-27.2x
Capital
Tier 1 Leverage Ratio13.37%13.03%12.74%12.51%12.60%-77 bps
Total Risk-Based Capital13.37%13.03%12.74%12.51%12.60%-77 bps
Equity / Assets13.04%12.78%10.82%12.44%12.12%-92 bps
Liquidity & Funding
Loans / Deposits101.69%100.52%85.05%96.93%95.91%-578 bps
Liquid Assets / Assets4.11%4.90%18.62%8.76%9.25%+513 bps
CRE / Total Capitaln/a474%469%461%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pacific Valley Bank

Salinas, CA · Cert 57740 · Peer group: banks under $1B in assets (n=581-629) · Pacific Valley Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$653.3MAssets
$547.2MLoans
$570.5MDeposits
$79.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: total risk-based capital ratio trails 66% of banks under $1B in assets (rank 414 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.88%

Rank 379 of 629

Net Interest Margin

3.79%

Rank 234 of 629

Efficiency Ratio

67.79%

Rank 315 of 629

Equity / Assets

12.12%

Rank 222 of 629

Non-interest income vs. expense

$1.5M$17.2MINCOMEEXPENSE
Unfavorable gap of $15.7M · efficiency ratio beats 50% of banks under $1B in assets
Bank 67.79%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.88%0.60%1.01%1.45%Beats 40%379 / 629
Return on Equity7.28%5.38%9.30%13.28%Beats 34%413 / 629
Net Interest Margin3.79%3.03%3.54%4.05%Beats 63%234 / 629
Efficiency Ratio67.79%58.35%67.79%79.08%Beats 50%315 / 629
Asset Quality
Nonperforming Loans / Loans0.24%0.09%0.46%1.20%Beats 62%222 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio12.60%11.24%13.84%18.77%Beats 39%382 / 629
Total Risk-Based Capital Ratio12.60%11.58%14.43%19.66%Beats 34%414 / 629
Equity / Assets12.12%9.09%10.65%13.80%Beats 65%222 / 629
Liquidity & Funding
Loans / Deposits95.91%67.24%80.90%93.48%80th pctl119 / 594
Loans / Assets83.76%53.31%67.71%78.15%90th pctl66 / 629
Brokered Deposits / Depositsn/aNot reported for this institution