Golden Valley Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets climbed 2.59 percentage points in Q2 2026, from 38.45% to 41.04%. It was the largest change from Q1 2026 among the key lines here. Within California, Golden Valley Bank is 70th of 114 on return on assets, 0.93% as of Q2 2026, below the middle of the field. Golden Valley Bank reported 0.93% on return on assets for Q2 2026, 0.32 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.65% |
| Tier 1 risk-based capital ratio | 14.65% |
| Total risk-based capital ratio | 15.90% |
| Tier 1 leverage ratio | 9.32% |
| Equity capital to assets | 7.92% |
| Tangible equity to tangible assets | 7.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.53% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.93% |
| Return on equity | 11.72% |
| Net interest margin | 3.58% |
| Efficiency ratio | 60.65% |
| Yield on earning assets | 4.84% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.47% |
| Core deposits to total deposits | 93.56% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.48% |
| Securities to assets | 41.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.30% | 15.30% | 16.55% | 9.33% | 0.82% |
| Q4 2023 | 16.02% | 16.02% | 17.27% | 9.59% | 0.77% |
| Q1 2024 | 16.30% | 16.30% | 17.55% | 9.87% | 0.67% |
| Q2 2024 | 16.43% | 16.43% | 17.68% | 10.10% | 0.70% |
| Q3 2024 | 16.89% | 16.89% | 18.14% | 10.10% | 0.76% |
| Q4 2024 | 16.69% | 16.69% | 17.94% | 9.76% | 0.69% |
| Q1 2025 | 16.62% | 16.62% | 17.87% | 9.50% | 0.70% |
| Q2 2025 | 15.42% | 15.42% | 16.67% | 8.87% | 0.91% |
| Q3 2025 | 15.40% | 15.40% | 16.65% | 9.05% | 0.95% |
| Q4 2025 | 15.08% | 15.08% | 16.33% | 9.09% | 0.91% |
| Q1 2026 | 15.41% | 15.41% | 16.66% | 9.28% | 0.97% |
| Q2 2026 | 14.65% | 14.65% | 15.90% | 9.32% | 0.93% |
Golden Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden Valley Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)