Bank Comparison
Lee Bank vs Golden Valley Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 12
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Lee Bank | Golden Valley Bank |
|---|---|---|
| CET1 Ratio | — | 15.41% |
| Tier 1 Capital Ratio | — | 15.41% |
| Total Capital Ratio | — | 16.66% |
| Tier 1 Leverage Ratio | 9.41% | 9.28% |
| Equity / Assets | 8.66% | 8.22% |
Profitability
| Metric | Lee Bank | Golden Valley Bank |
|---|---|---|
| Return on Assets (ROA) | 0.91% | 0.97% |
| Return on Equity (ROE) | 10.72% | 12.25% |
| Net Interest Margin (NIM) | 3.56% | 3.58% |
| Yield on Earning Assets | 5.01% | 4.75% |
| Cost of Funds | 1.53% | 1.26% |
Asset quality
| Metric | Lee Bank | Golden Valley Bank |
|---|---|---|
| Texas Ratio | 6.63% | 0.18% |
| Non-Performing Loan Ratio | 0.82% | 0.03% |
| Non-Performing Asset Ratio | 0.62% | 0.02% |
| Net Charge-Off Ratio | 0.02% | 0.01% |
| ACL / Loans | 0.95% | 1.59% |
Balance sheet
| Metric | Lee Bank | Golden Valley Bank |
|---|---|---|
| Total Assets | $578,531K | $577,734K |
| Total Deposits | $511,532K | $525,767K |
| Total Loans | $438,734K | $274,020K |
| Total Equity | $50,105K | $47,513K |
| Net Income (quarter) | $1,327K | $1,446K |
Liquidity & funding
| Metric | Lee Bank | Golden Valley Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 85.77% | 52.12% |
| Core Deposit Ratio | 86.71% | 93.84% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lee Bank | Golden Valley Bank |
|---|---|---|
| Headquarters City | LEE | CHICO |
| Headquarters State | MA | CA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 5 |
| Employees (FTE) | 82 | 64 |
| Established | March 5, 1852, midnight | April 24, 2006, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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