Golden Valley Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 11.94 percentage points in Q2 2026, from 212.98% to 224.92%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Golden Valley Bank is 7th from the bottom among 114 California banks, 53.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Golden Valley Bank sits 27.37 points lower, at 53.47% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $295.8M |
| Net loans and leases | $291.3M |
| Loans held for sale | $0 |
| Loans to total assets | 48.91% |
| Loan-to-deposit ratio | 53.47% |
| Net loans to equity capital | 6.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.35% |
| Multifamily (5+ residential) | 17.70% |
| Commercial and industrial | 12.72% |
| Consumer | 0.08% |
| Credit cards | 0.00% |
| Farm | 2.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.88% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 224.92% |
| Construction concentration (Tier 1 capital + allowance) | 26.44% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.29% |
| Interest income on loans | $4.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $238.7M | $470.8M | 46.75% | 13.62% | 0.21% |
| Q4 2023 | $240.1M | $448.0M | 46.00% | 13.00% | 0.22% |
| Q1 2024 | $236.2M | $445.1M | 46.22% | 12.54% | 0.22% |
| Q2 2024 | $237.9M | $450.5M | 47.34% | 13.63% | 0.04% |
| Q3 2024 | $241.5M | $454.6M | 47.25% | 14.61% | 0.03% |
| Q4 2024 | $247.5M | $491.9M | 47.31% | 13.80% | 0.09% |
| Q1 2025 | $244.6M | $528.7M | 48.03% | 13.84% | 0.09% |
| Q2 2025 | $252.8M | $535.0M | 49.44% | 11.46% | 0.02% |
| Q3 2025 | $264.2M | $527.7M | 49.91% | 11.74% | 0.02% |
| Q4 2025 | $275.6M | $541.8M | 47.74% | 10.79% | 0.01% |
| Q1 2026 | $274.0M | $525.8M | 46.64% | 11.49% | 0.01% |
| Q2 2026 | $295.8M | $553.2M | 46.35% | 12.72% | 0.08% |
Golden Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden Valley Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Golden Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58278) · FFIEC NIC profile (RSSD 3440803)