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
Unfavorable gap of $15.7M · efficiency ratio beats 50% 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 | 0.88% | 0.60% | 1.01% | 1.45% | Beats 40% | 379 / 629 | | |
| Return on Equity | 7.28% | 5.38% | 9.30% | 13.28% | Beats 34% | 413 / 629 | | |
| Net Interest Margin | 3.79% | 3.03% | 3.54% | 4.05% | Beats 63% | 234 / 629 | | |
| Efficiency Ratio | 67.79% | 58.35% | 67.79% | 79.08% | Beats 50% | 315 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.09% | 0.46% | 1.20% | Beats 62% | 222 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.60% | 11.24% | 13.84% | 18.77% | Beats 39% | 382 / 629 | | |
| Total Risk-Based Capital Ratio | 12.60% | 11.58% | 14.43% | 19.66% | Beats 34% | 414 / 629 | | |
| Equity / Assets | 12.12% | 9.09% | 10.65% | 13.80% | Beats 65% | 222 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.91% | 67.24% | 80.90% | 93.48% | 80th pctl | 119 / 594 | | |
| Loans / Assets | 83.76% | 53.31% | 67.71% | 78.15% | 90th pctl | 66 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |