Golden Valley Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense rose 7.4% in Q2 2026 to $1.8M, the biggest move on this page. Golden Valley Bank ranks 72nd of 114 California banks on net interest margin, in the lower half at 3.58% (Q2 2026). Golden Valley Bank reported 3.58% on net interest margin for Q2 2026, 0.37 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.84% |
| Yield on loans | 6.29% |
| Yield on securities | 3.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.35% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | 2.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.16% | 1.09% | 3.14% | 5.34% | 2.33% |
| Q4 2023 | 4.25% | 1.18% | 3.15% | 5.49% | 2.32% |
| Q1 2024 | 4.23% | 1.33% | 2.99% | 5.45% | 2.31% |
| Q2 2024 | 4.33% | 1.41% | 3.03% | 5.54% | 2.32% |
| Q3 2024 | 4.54% | 1.48% | 3.19% | 5.80% | 2.33% |
| Q4 2024 | 4.51% | 1.53% | 3.12% | 5.87% | 2.36% |
| Q1 2025 | 4.43% | 1.48% | 3.05% | 5.77% | 2.71% |
| Q2 2025 | 4.70% | 1.47% | 3.32% | 6.15% | 2.99% |
| Q3 2025 | 4.77% | 1.44% | 3.43% | 6.14% | 3.22% |
| Q4 2025 | 4.74% | 1.35% | 3.49% | 6.19% | 3.24% |
| Q1 2026 | 4.75% | 1.27% | 3.58% | 6.22% | 3.20% |
| Q2 2026 | 4.84% | 1.35% | 3.58% | 6.29% | 3.33% |
Golden Valley Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden Valley Bank, freeSource: Call Report Schedules RI and RC-K, 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)