GOLDEN VALLEY BANK

CHICO, CA | Medium | Est. April 24, 2006, midnight | FDIC #58278 | RSSD #3440803 | FDIC
Latest Report: 2025-12-31

GOLDEN VALLEY BANK is amn medium FDIC-insured commercial bank headquartered in CHICO, CA, established in April 24, 2006, midnight. As of 2025-12-31, the bank reported total assets of $592M and total deposits of $542M. Profitability stands at 0.92% ROA and 11.75% ROE, with a net interest margin of 3.71%. The bank's CET1 capital ratio is 15.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.18%. FDIC Certificate #58278.

Assets

$592M

Deposits

$542M

Loans

$276M

Equity

$47M

Profitability

Return on Assets (ROA) 0.92%
Return on Equity (ROE) 11.75%
Net Interest Margin (NIM) 3.71%
Yield on Assets 5.05%
Cost of Funds 1.34%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.18%
NPA Ratio 0.02%
ACL / Loans 1.58%

Capital & Liquidity

CET1 Ratio 15.08%
Tier 1 Capital 15.08%
Total Capital Ratio 16.33%
Leverage Ratio 9.09%
Loan-to-Deposit 50.87%

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