Golden Valley Bank
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
$604.7MAssets
$295.8MLoans
$553.2MDeposits
$47.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: equity / assets trails 89% of banks under $1B in assets (rank 558 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $12.2M · efficiency ratio beats 69% 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 | 0.94% | 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 |