Chico, CA · Cert 58278 · Golden Valley Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
43
Asset Quality
68
Profitability
51
Liquidity
15
Efficiency
69
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.
Chico, CA · Cert 58278 · Golden Valley Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Chico, CA · 2026 SOD (annual) · 7.1% share · #6 of 13 inst. · $0.5B of $7.0B
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 | 0.73% | 0.73% | 0.71% | 0.82% | 0.87% | 0.88% | 0.99% | 0.96% | +14 bps | |
| Return on Equity | 9.15% | 9.13% | 9.29% | 10.92% | 11.46% | 11.52% | 12.25% | 11.98% | +106 bps | |
| Net Interest Margin | 2.88% | 2.79% | 2.90% | 3.00% | 3.09% | 3.11% | 3.43% | 3.43% | +43 bps | |
| Efficiency Ratio | 68.79% | 68.87% | 67.91% | 63.11% | 62.24% | 61.01% | 61.88% | 61.40% | -171 bps | |
| Non-Interest Burden | 1.91% | 1.86% | 1.91% | 1.82% | 1.85% | 1.82% | 2.06% | 2.03% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.60% | 9.77% | 18.20% | 17.79% | 15.15% | 10.31% | 0.55% | 4.28% | -1,351 bps | |
| Loan Growth (YoY) | 1.19% | 3.08% | 3.56% | 6.26% | 9.41% | 11.36% | 12.01% | 17.02% | +1,077 bps | |
| Deposit Growth (YoY) | -3.45% | 9.81% | 18.79% | 18.78% | 16.10% | 10.14% | -0.55% | 3.40% | -1,538 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.03% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.06% | +6 bps | |
| Allowance / Loans | 1.63% | 1.59% | 1.61% | 1.56% | 1.52% | 1.58% | 1.59% | 1.53% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 47.3x | 47.8x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.10% | 9.76% | 9.50% | 8.87% | 9.05% | 9.09% | 9.28% | 9.32% | +46 bps | |
| Total Risk-Based Capital | 18.14% | 17.94% | 17.87% | 16.67% | 16.65% | 16.33% | 16.66% | 15.90% | -77 bps | |
| Equity / Assets | 8.46% | 7.75% | 7.55% | 7.30% | 7.79% | 7.94% | 8.22% | 7.92% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.13% | 50.31% | 46.27% | 47.24% | 50.07% | 50.87% | 52.12% | 53.47% | +622 bps | |
| Liquid Assets / Assets | 31.04% | 28.68% | 26.40% | 23.72% | 21.30% | 17.86% | 17.73% | 14.76% | -897 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 344% | 352% | 350% | n/a | n/a | |
Chico, CA · Cert 58278 · Peer group: banks under $1B in assets (n=581-629) · Golden Valley Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
0.94%
Rank 350 of 629
Net Interest Margin
3.43%
Rank 353 of 629
Efficiency Ratio
61.40%
Rank 198 of 629
Equity / Assets
7.92%
Rank 558 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.94% | 0.60% | 1.01% | 1.45% | Beats 44% | 350 / 629 | ||
| Return on Equity | 11.88% | 5.38% | 9.30% | 13.28% | Beats 66% | 215 / 629 | ||
| Net Interest Margin | 3.43% | 3.03% | 3.54% | 4.05% | Beats 44% | 353 / 629 | ||
| Efficiency Ratio | 61.40% | 58.35% | 67.79% | 79.08% | Beats 69% | 198 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 35% | 376 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.65% | 11.24% | 13.84% | 18.77% | Beats 57% | 272 / 629 | ||
| Total Risk-Based Capital Ratio | 15.90% | 11.58% | 14.43% | 19.66% | Beats 60% | 251 / 629 | ||
| Equity / Assets | 7.92% | 9.09% | 10.65% | 13.80% | Beats 11% | 558 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.47% | 67.24% | 80.90% | 93.48% | 13th pctl | 516 / 594 | ||
| Loans / Assets | 48.91% | 53.31% | 67.71% | 78.15% | 20th pctl | 501 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||