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West Valley National Bank

Goodyear, AZ · Cert 58426 · West Valley Bcorp Inc.

National charter · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

34

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

4

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

West Valley National Bank

Goodyear, AZ · Cert 58426 · West Valley Bcorp Inc.

National charter · OCC · 3 branches

Q2 2026

$74.3MAssets
$65.8MLoans
$59.4MDeposits
$6.8MEquity
Loan mix
68%RE $44.4M32%C&I $20.9M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
54%Interest-bearing $32.2M46%Noninterest $27.2MQ2 2025Q2 2026

NIM

5.21%Q2 ’245.54%Q2 ’256.28%Q2 ’26+3%+12%

Non-interest income vs. expense

6.26%Q2 ’246.81%Q2 ’256.98%Q2 ’26+10%+4%

Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.0% share · #52 of 55 inst. · $0.1B of $192.0B

0.0% Maricopa
0.0% Clark

Executive Summary

  • Earnings: ROA of -1.75%, up 39 bps year over year; NIM at 4.95%.
  • Asset quality: problem loans at 0.00% of loans (-140 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.36%, down 246 bps from a year ago.
  • Funding: loans stand at 110.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.75%+39 bps YoY

Net Interest Margin (YTD, annualized)

4.95%+53 bps YoY

Efficiency Ratio (YTD, annualized)

135.16%-928 bps YoY

Tier 1 Leverage Ratio

9.36%-246 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.15%-1.46%-2.43%-2.36%-1.75%+39 bps
Return on Equity-17.44%-12.02%-20.91%-25.33%-18.94%-150 bps
Net Interest Margin4.42%5.63%5.42%4.83%4.95%+53 bps
Efficiency Ratio144.44%124.40%141.99%148.62%135.16%-928 bps
Non-Interest Burden6.52%7.08%7.81%7.27%6.77%+24 bps
Growth
Asset Growth (YoY)5.06%5.33%14.08%7.22%2.03%-304 bps
Loan Growth (YoY)10.13%11.96%20.02%17.10%6.17%-396 bps
Deposit Growth (YoY)14.52%19.65%12.00%11.34%-6.66%-2,119 bps
Asset Quality
Nonperforming Loans / Loans1.40%0.00%0.00%0.00%0.00%-140 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.25%1.27%1.14%1.20%1.19%-6 bps
Allowance Coverage of NPLs0.9xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.82%11.87%10.33%9.51%9.36%-246 bps
Total Risk-Based Capital14.76%14.90%14.40%13.60%13.38%-137 bps
Equity / Assets11.52%11.83%9.54%9.12%9.09%-243 bps
Liquidity & Funding
Loans / Deposits97.28%98.43%110.16%94.91%110.66%+1,338 bps
Liquid Assets / Assets1.61%0.89%0.79%0.77%0.73%-89 bps
CRE / Total Capitaln/a474%580%591%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

West Valley National Bank

Goodyear, AZ · Cert 58426 · Peer group: banks under $1B in assets (n=581-629) · West Valley Bcorp Inc.

National charter · OCC · 3 branches

Q2 2026

$74.3MAssets
$65.8MLoans
$59.4MDeposits
$6.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: return on equity trails 98% of banks under $1B in assets (rank 617 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-1.80%

Rank 610 of 629

Net Interest Margin

4.95%

Rank 29 of 629

Efficiency Ratio

135.16%

Rank 604 of 629

Equity / Assets

9.09%

Rank 472 of 629

Non-interest income vs. expense

$0.2M$5.1MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 4% of banks under $1B in assets
Bank 135.16%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.80%0.60%1.01%1.45%Beats 3%610 / 629
Return on Equity-19.81%5.38%9.30%13.28%Beats 2%617 / 629
Net Interest Margin4.95%3.03%3.54%4.05%Beats 95%29 / 629
Efficiency Ratio135.16%58.35%67.79%79.08%Beats 4%604 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio12.13%11.24%13.84%18.77%Beats 35%411 / 629
Total Risk-Based Capital Ratio13.38%11.58%14.43%19.66%Beats 41%368 / 629
Equity / Assets9.09%9.09%10.65%13.80%Beats 25%472 / 629
Liquidity & Funding
Loans / Deposits110.66%67.24%80.90%93.48%95th pctl27 / 594
Loans / Assets88.52%53.31%67.71%78.15%98th pctl15 / 629
Brokered Deposits / Depositsn/aNot reported for this institution