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
Unfavorable gap of $5.0M · efficiency ratio beats 4% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Margin | 4.95% | 3.03% | 3.54% | 4.05% | Beats 95% | 29 / 629 | |
| Efficiency Ratio | 135.16% | 58.35% | 67.79% | 79.08% | Beats 4% | 604 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.13% | 11.24% | 13.84% | 18.77% | Beats 35% | 411 / 629 | |
| Total Risk-Based Capital Ratio | 13.38% | 11.58% | 14.43% | 19.66% | Beats 41% | 368 / 629 | |
| Equity / Assets | 9.09% | 9.09% | 10.65% | 13.80% | Beats 25% | 472 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 110.66% | 67.24% | 80.90% | 93.48% | 95th pctl | 27 / 594 | |
| Loans / Assets | 88.52% | 53.31% | 67.71% | 78.15% | 98th pctl | 15 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |