Golden Valley Bank
Operating from Chico, CA, Golden Valley Bank serves its local market as an FDIC-insured commercial bank. Golden Valley's Q1 2026 balance sheet shows $578M in assets funded primarily by $526M in customer deposits. Earnings are mid-range — 0.97% ROA and a 3.58% net interest margin. Capital cushions are healthy: 15.41% CET1, 9.28% Tier 1 leverage. Asset quality is pristine — 0.03% NPLs and a 0.18% Texas Ratio. 5 branches make up the footprint.
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
- Fed District
- 14
- Established
- April 24, 2006
- Branches
- 5 domestic
- Employees (FTE)
- 64
- FDIC Cert
- 58278
- Fed RSSD
- 3440803
- Website
- www.goldenvalley.bank →
- Parent Holding Company
- GOLDEN VALLEY BANCSHARES, INC. (RSSD 5475890)
Capital & Liquidity
Inside the full Golden Valley Bank terminal
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Golden Valley Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Golden Valley Bank
What are Golden Valley Bank's total assets?
As of the Q1 2026 filing, Golden Valley Bank reported total assets of $577.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Golden Valley Bank headquartered?
Golden Valley Bank is headquartered in CHICO, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Golden Valley Bank founded?
Golden Valley Bank was established in 2006, per the FDIC institution directory.
Is Golden Valley Bank FDIC-insured?
Yes. Golden Valley Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Golden Valley Bank's CET1 capital ratio?
Golden Valley Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.41% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Golden Valley Bank operate?
Golden Valley Bank operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Golden Valley Bank's Texas Ratio?
Golden Valley Bank's Texas Ratio is 0.18% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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