Golden Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Golden Valley Bank of Chico, CA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.93% | 1.35% | -0.42% | 30th below |
| ROAE | 11.72% | 12.05% | -0.33% | 46th below |
| Net Interest Margin | 3.58% | 3.90% | -0.32% | 31st below |
| Efficiency Ratio | 60.65% | 63.15% | -2.50% | 52nd above |
| PPNR / Avg Assets | 1.41% | 1.64% | -0.23% | 39th below |
| Yield on Earning Assets | 4.84% | 5.65% | -0.81% | 18th bottom |
| Cost of Funds | 1.35% | 1.85% | -0.50% | 78th top |
| Net Interest Spread | 2.87% | 3.35% | -0.48% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.15% | -0.02% | 17th bottom |
| ACL / Total Loans | 1.53% | 1.28% | +0.25% | 80th top |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 276.84% | 1189.75% | -912.91% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.65% | 20.83% | -6.18% | 46th below |
| Tier 1 Ratio | 14.65% | 20.87% | -6.22% | 45th below |
| Total Capital Ratio | 15.90% | 21.94% | -6.04% | 46th below |
| Leverage Ratio | 9.32% | 12.46% | -3.14% | 18th bottom |
| Equity / Assets | 7.92% | 11.67% | -3.75% | 13th bottom |
| TCE / Tangible Assets | 7.92% | 11.40% | -3.48% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.47% | 78.65% | -25.18% | 89th top |
| Core Deposit Ratio | 93.56% | 87.09% | +6.47% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.28% | 6.47% | -2.19% | 49th below |
| Loan Growth (Y/Y) | 17.02% | 7.64% | +9.38% | 89th top |
| Deposit Growth (Y/Y) | 3.40% | 6.02% | -2.62% | 45th below |
See Golden Valley Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Golden Valley Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Golden Valley Bank profile, how to read a UBPR, or how this data updates.