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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.89% | 0.73% | 0.73% | 0.74% | 0.68% | 0.79% | 0.87% | +13 bps | |
| Return on Equity | 7.32% | 7.19% | 6.04% | 5.95% | 5.94% | 5.67% | 6.80% | 7.38% | +143 bps | |
| Net Interest Margin | 3.32% | 3.33% | 3.44% | 3.54% | 3.45% | 3.48% | 3.77% | 3.79% | +26 bps | |
| Efficiency Ratio | 63.35% | 63.71% | 70.87% | 71.45% | 71.53% | 72.21% | 70.22% | 67.79% | -366 bps | |
| Non-Interest Burden | 2.00% | 2.03% | 2.32% | 2.43% | 2.38% | 2.43% | 2.58% | 2.50% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.61% | 11.85% | 7.81% | 7.21% | 8.24% | 8.32% | 11.32% | 14.09% | +688 bps | |
| Loan Growth (YoY) | 9.84% | 7.39% | 9.41% | 9.55% | 10.21% | 10.25% | 7.69% | 9.58% | +3 bps | |
| Deposit Growth (YoY) | -2.45% | 12.96% | 6.47% | 6.71% | 8.99% | 8.64% | 13.93% | 16.19% | +948 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.03% | 0.03% | 0.05% | 0.05% | 0.22% | 0.60% | 0.24% | +19 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | -0.02% | -0.02% | -0.02% | 0.00% | -0.02% | -0.02% | 0 bps | |
| Allowance / Loans | 1.61% | 1.57% | 1.55% | 1.54% | 1.49% | 1.47% | 1.49% | 1.45% | -9 bps | |
| Allowance Coverage of NPLs | 6.7x | 45.4x | 53.1x | 33.4x | 31.7x | 6.6x | 2.5x | 6.1x | -27.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.17% | 13.33% | 13.27% | 13.37% | 13.03% | 12.74% | 12.51% | 12.60% | -77 bps | |
| Total Risk-Based Capital | 13.17% | 13.33% | 13.27% | 13.37% | 13.03% | 12.74% | 12.51% | 12.60% | -77 bps | |
| Equity / Assets | 13.09% | 11.07% | 13.11% | 13.04% | 12.78% | 10.82% | 12.44% | 12.12% | -92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.41% | 83.80% | 102.55% | 101.69% | 100.52% | 85.05% | 96.93% | 95.91% | -578 bps | |
| Liquid Assets / Assets | 6.02% | 19.69% | 4.65% | 4.11% | 4.90% | 18.62% | 8.76% | 9.25% | +513 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 474% | 469% | 461% | n/a | n/a | |