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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.72% | 0.71% | 0.92% | 0.96% | 0.92% | 0.99% | 0.95% | +2 bps | |
| Return on Equity | 9.56% | 8.90% | 9.29% | 12.42% | 12.68% | 11.75% | 12.25% | 11.72% | -70 bps | |
| Net Interest Margin | 3.02% | 2.96% | 2.90% | 3.19% | 3.29% | 3.34% | 3.43% | 3.43% | +24 bps | |
| Efficiency Ratio | 66.76% | 69.08% | 67.91% | 58.88% | 60.67% | 57.68% | 61.88% | 60.92% | +204 bps | |
| Non-Interest Burden | 1.94% | 1.99% | 1.91% | 1.79% | 1.91% | 1.84% | 2.06% | 2.02% | +22 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% | 0.12% | +12 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 | |