Salinas, CA · Cert 57740 · Pacific Valley Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Salinas, CA · 2026 SOD (annual) · 4.6% share · #7 of 13 inst. · $0.6B of $11.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.74% | 0.68% | 0.79% | 0.87% | +13 bps | |
| Return on Equity | 5.95% | 5.94% | 5.67% | 6.80% | 7.38% | +143 bps | |
| Net Interest Margin | 3.54% | 3.45% | 3.48% | 3.77% | 3.79% | +26 bps | |
| Efficiency Ratio | 71.45% | 71.53% | 72.21% | 70.22% | 67.79% | -366 bps | |
| Non-Interest Burden | 2.43% | 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 / Loans | 0.05% | 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 / Loans | 1.54% | 1.49% | 1.47% | 1.49% | 1.45% | -9 bps | |
| Allowance Coverage of NPLs | 33.4x | 31.7x | 6.6x | 2.5x | 6.1x | -27.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.37% | 13.03% | 12.74% | 12.51% | 12.60% | -77 bps | |
| Total Risk-Based Capital | 13.37% | 13.03% | 12.74% | 12.51% | 12.60% | -77 bps | |
| Equity / Assets | 13.04% | 12.78% | 10.82% | 12.44% | 12.12% | -92 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.69% | 100.52% | 85.05% | 96.93% | 95.91% | -578 bps | |
| Liquid Assets / Assets | 4.11% | 4.90% | 18.62% | 8.76% | 9.25% | +513 bps | |
| CRE / Total Capital | n/a | 474% | 469% | 461% | n/a | n/a | |