Golden Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Golden Valley Bank is an FDIC-insured commercial bank headquartered in Chico, CA, established in 2006 (FDIC certificate 58278), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $604.7M, up 4.3% from Q2 2025, the 73rd largest of 113 banks headquartered in California. Its CET1 capital ratio was 14.65% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58278
- Headquarters
- Chico, CA
- Established
- 2006
- Total assets, Q2 2026
- $604.7M
- Assets vs Q2 2025
- +4.3%
- CET1 ratio, Q2 2026
- 14.65%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 121144272
- Latest call report
- Q2 2026, FFIEC 051 · Golden Valley Bank call report
- Holding company
- GOLDEN VALLEY BANCSHARES, INC.
- Asset rank in state
- 73rd of 113 in California
Golden Valley Bank, based in Chico, California, reported $605 million in assets at June 30, 2026, up 4.3% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also grew its loan book 17.0% over the year, about triple the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 17.0% and deposits rose 3.4%. Unrealized losses on its securities total $12 million, equal to 21% of Tier 1 capital, against 26% a year earlier. Where it has less room is capital: it funds 9.32% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Golden Valley Bank reported a CET1 capital ratio of 14.65%, a return on assets of 0.93%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Golden Valley Bank is the 73rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.7% to $604.7M, loans rose 7.9% and deposits rose 5.2%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 23.7% of total loans, followed by non-owner-occupied commercial real estate loans at 22.7%. The FDIC Summary of Deposits lists 5 offices for it, in Chico, CA, Oroville, CA and Redding, CA; its Chico 2 offices book 69% of its branch deposits. By the capital ratios in its Q2 2026 call report, Golden Valley Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 190 Cohasset Rd, Chico, CA 95926
- County
- Butte
- Metro Area
- Chico, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 24, 2006
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 65
- Domestic deposits
- $553.2M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $95K
- Average total assets
- $598.6M
- Average total loans
- $284.8M
- Average interest-bearing deposits
- $365.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 24, 2006
- FDIC Cert
- 58278
- Fed RSSD
- 3440803
- SEC CIK
- 1918800 → filed by GOLDEN VALLEY BANCSHARES, INC.
- Website
- www.goldenvalley.bank →
- Parent Holding Company
- GOLDEN VALLEY BANCSHARES, INC. (RSSD 5475890)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Golden Valley Bank's total assets ran between $486.1M (Q1 2024) and $604.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$604.7M total assets against $579.9M; $556.9M total liabilities against $537.6M.
$291.3M net loans and leases against $248.8M; $553.2M total deposits against $535.0M.
$248.2M securities against $205.0M; $48.6M cash and balances due against $111.3M.
$6.9M total interest income against $6.6M; $1.8M total interest expense against $1.9M.
$5.1M net interest income against $4.6M.
$278K total noninterest income against $287K; $3.3M total noninterest expense against $2.9M.
$158K provision for credit losses against $150K.
$1.4M net income against $1.3M.
0.93% return on assets against 0.91%; 3.58% net interest margin against 3.32%.
14.65% CET1 capital ratio against 15.42%; 9.32% tier 1 leverage ratio against 8.87%.
Inside the full Golden Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Golden Valley Bank rankings
Its closest position to the top of a national ranking is 1,537 of 4,196, for total assets; its furthest is 3,397 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.69% (Q4 2024) to 0.97% (Q1 2026) and its net interest margin ran from 3.05% (Q1 2025) to 3.58% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.65% | 0.93% | 0.00% | 0.00% | 3.58% |
| Q1 2026 | 15.41% | 0.97% | 0.03% | 0.18% | 3.58% |
| Q4 2025 | 15.08% | 0.91% | 0.03% | 0.18% | 3.49% |
| Q3 2025 | 15.40% | 0.95% | 0.00% | 0.00% | 3.43% |
| Q2 2025 | 15.42% | 0.91% | 0.00% | 0.00% | 3.32% |
| Q1 2025 | 16.62% | 0.70% | 0.00% | 0.00% | 3.05% |
| Q4 2024 | 16.69% | 0.69% | 0.00% | 0.00% | 3.12% |
| Q3 2024 | 16.89% | 0.76% | 0.00% | 0.00% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Golden Valley Bank (main office) | Chico , CA | 95926 | $380.6M |
| Oroville Branch | Oroville , CA | 95966 | $118.5M |
| Redding Branch | Redding , CA | 96002 | $54.1M |
| Redding Electronic Banking Branch | Redding , CA | 96002 | $0 |
| Administrative Office Branch | Chico , CA | 95926 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 104 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.2M approved, $592K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Golden Valley Bank
What are Golden Valley Bank's total assets?
As of the Q2 2026 filing, Golden Valley Bank reported total assets of $604.7 million in its FFIEC call report.
Where is Golden Valley Bank headquartered?
It is headquartered in Chico, CA, United States.
When was Golden Valley Bank founded?
It was established in 2006, per the FDIC institution directory.
Is Golden Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58278). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Golden Valley Bank?
Golden Valley Bank's primary federal regulator is the FDIC.
What is Golden Valley Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Golden Valley Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Golden Valley Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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