Goodyear, AZ · Cert 58426 · West Valley Bcorp Inc.
National charter · OCC · 3 branches
Q2 2026
Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.0% share · #52 of 55 inst. · $0.1B of $192.0B
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 | -1.58% | -2.11% | -1.97% | -2.15% | -1.46% | -2.43% | -2.36% | -1.75% | +39 bps | |
| Return on Equity | -11.14% | -15.04% | -15.51% | -17.44% | -12.02% | -20.91% | -25.33% | -18.94% | -150 bps | |
| Net Interest Margin | 4.36% | 4.41% | 4.28% | 4.42% | 5.63% | 5.42% | 4.83% | 4.95% | +53 bps | |
| Efficiency Ratio | 134.68% | 145.92% | 143.27% | 144.44% | 124.40% | 141.99% | 148.62% | 135.16% | -928 bps | |
| Non-Interest Burden | 5.99% | 6.60% | 6.27% | 6.52% | 7.08% | 7.81% | 7.27% | 6.77% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.98% | -8.30% | 0.69% | 5.06% | 5.33% | 14.08% | 7.22% | 2.03% | -304 bps | |
| Loan Growth (YoY) | -7.45% | -1.31% | -0.86% | 10.13% | 11.96% | 20.02% | 17.10% | 6.17% | -396 bps | |
| Deposit Growth (YoY) | -17.27% | -12.10% | 3.86% | 14.52% | 19.65% | 12.00% | 11.34% | -6.66% | -2,119 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.20% | 3.00% | 1.55% | 1.40% | 0.00% | 0.00% | 0.00% | 0.00% | -140 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.42% | 1.35% | 1.39% | 1.25% | 1.27% | 1.14% | 1.20% | 1.19% | -6 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.9x | 0.9x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.65% | 13.88% | 12.89% | 11.82% | 11.87% | 10.33% | 9.51% | 9.36% | -246 bps | |
| Total Risk-Based Capital | 18.94% | 17.06% | 16.48% | 14.76% | 14.90% | 14.40% | 13.60% | 13.38% | -137 bps | |
| Equity / Assets | 14.51% | 13.16% | 12.29% | 11.52% | 11.83% | 9.54% | 9.12% | 9.09% | -243 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.19% | 102.80% | 90.24% | 97.28% | 98.43% | 110.16% | 94.91% | 110.66% | +1,338 bps | |
| Liquid Assets / Assets | 2.06% | 1.84% | 1.69% | 1.61% | 0.89% | 0.79% | 0.77% | 0.73% | -89 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 474% | 580% | 591% | n/a | n/a | |