Grand Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Grand Valley Bank is an FDIC-insured commercial bank headquartered in Heber City, UT, established in 1983 (FDIC certificate 24922), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $599.4M, up 6.2% from Q2 2025, the 34th largest of 44 banks headquartered in Utah. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.47% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 24922
- Headquarters
- Heber City, UT
- Established
- 1983
- Total assets, Q2 2026
- $599.4M
- Assets vs Q2 2025
- +6.2%
- Tier 1 leverage ratio, Q2 2026
- 11.47%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 124303010
- Latest call report
- Q2 2026, FFIEC 051 · Grand Valley Bank call report
- Holding company
- GRAND VALLEY CORPORATION
- Asset rank in state
- 34th of 44 in Utah
Grand Valley Bank, based in Heber City, Utah, reported $599 million in assets at June 30, 2026, up 6.2% from a year earlier. It carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets.
Paper losses on its bond portfolio are shrinking: unrealized losses of $21 million equal 29% of Tier 1 capital, down from 44% a year earlier.
As of June 30, 2026, Grand Valley Bank reported a return on assets of 1.20%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.08%. The figures come from its call report filed with the FFIEC.
Grand Valley Bank ranks as the 34th largest of the 44 banks based in Utah, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $599.4M, loans rose 1.5% and deposits fell 0.2%. 1-4 family residential loans made up 21.6% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 21.3%. Its 9 offices in the FDIC Summary of Deposits are in 8 cities across 2 states; its Grand Junction 2 offices book 38% of its branch deposits. Judged on its Q2 2026 call report, Grand Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 191 E Gateway Dr, Heber City, UT 84032
- County
- Wasatch
- Metro Area
- Heber, UT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 13, 1983
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 98
- Domestic deposits
- $541.3M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- $11K
- Average total assets
- $612.6M
- Average total loans
- $285.8M
- Average interest-bearing deposits
- $360.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 13, 1983
- FDIC Cert
- 24922
- Fed RSSD
- 178851
- Website
- www.grandvalleybank.com →
- Parent Holding Company
- GRAND VALLEY CORPORATION (RSSD 1840931)
- Ultimate Parent
- SAGEBRUSH PARTNERS, LLLP (RSSD 3701269)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Grand Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Grand Valley Bank's total assets moved between a low of $564.4M (Q2 2025) and a high of $599.4M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$599.4M total assets against $564.4M; $544.2M total liabilities against $519.9M.
$281.6M net loans and leases against $276.5M; $541.3M total deposits against $517.4M.
$272.1M securities against $247.7M; $21.4M cash and balances due against $15.0M.
$7.3M total interest income against $7.2M; $2.0M total interest expense against $2.1M.
$5.4M net interest income against $5.1M.
$385K total noninterest income against $423K; $3.4M total noninterest expense against $3.3M.
$15K provision for credit losses against $15K.
$1.8M net income against $1.8M.
1.20% return on assets against 1.19%; 3.72% net interest margin against 3.66%.
11.47% tier 1 leverage ratio against 11.15%.
Inside the full Grand Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGrand Valley Bank rankings
Its closest position to the top of a national ranking is 1,545 of 4,196, for total assets; its furthest is 3,261 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.10% (Q1 2025) to 1.27% (Q4 2025) and its net interest margin ran from 3.54% (Q1 2025) to 3.73% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.47% | 1.20% | 0.02% | 0.08% | 3.72% |
| Q1 2026 | 11.43% | 1.12% | 0.02% | 0.08% | 3.63% |
| Q4 2025 | 11.20% | 1.27% | 0.02% | 0.08% | 3.73% |
| Q3 2025 | 11.17% | 1.21% | 0.02% | 0.09% | 3.72% |
| Q2 2025 | 11.15% | 1.19% | 0.22% | 1.25% | 3.66% |
| Q1 2025 | 10.91% | 1.10% | 0.22% | 1.24% | 3.54% |
| Q4 2024 | 10.41% | 1.24% | 0.02% | 0.10% | 3.65% |
| Q3 2024 | 10.43% | 1.15% | 0.02% | 0.09% | 3.60% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 925 N. 7th Street Branch | Grand Junction , CO | 81501 | $136.0M |
| 25 Road Branch | Grand Junction , CO | 81505 | $71.8M |
| Fruita Branch | Fruita , CO | 81521 | $69.7M |
| Vernal Branch | Vernal , UT | 84078 | $57.2M |
| Palisade Branch | Palisade , CO | 81526 | $54.3M |
| Park City Branch | Park City , UT | 84060 | $51.3M |
| Grand Valley Bank (main office) | Heber City , UT | 84032 | $41.5M |
| Colbran Branch | Collbran , CO | 81624 | $35.5M |
| Midway Branch | Midway , UT | 84049 | $24.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 27, 2019 | Structure Change | Acquired Transact Bank, N.A. Sale of Assets for the acquired bank | FFIEC NIC |
| December 31, 2005 | Structure Change | Acquired Heber Valley National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 30, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 6 against individuals associated with it. These actions name the parent holding company, GRAND VALLEY CORPORATION, not the bank itself
- Period: Most recent action April 4, 2003. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in UT, rank 48 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 32 applications, 21 loans originated, $12.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $461K approved, $461K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Grand Valley Bank
What are Grand Valley Bank's total assets?
As of the Q2 2026 filing, Grand Valley Bank reported total assets of $599.4 million in its FFIEC call report.
Where is Grand Valley Bank headquartered?
It is headquartered in Heber City, UT, United States.
When was Grand Valley Bank founded?
It was established in 1983, per the FDIC institution directory.
Is Grand Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Grand Valley Bank?
Grand Valley Bank's primary federal regulator is the FDIC.
How many branches does Grand Valley Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Grand Valley Bank's Texas Ratio?
Its Texas Ratio is 0.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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