Grand Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Grand Valley Bank of Heber City, UT 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 | 1.20% | 1.35% | -0.15% | 45th below |
| ROAE | 13.71% | 12.05% | +1.66% | 58th above |
| Net Interest Margin | 3.72% | 3.90% | -0.18% | 38th below |
| Efficiency Ratio | 57.36% | 63.15% | -5.79% | 62nd above |
| PPNR / Avg Assets | 1.53% | 1.64% | -0.11% | 46th below |
| Yield on Earning Assets | 5.03% | 5.65% | -0.62% | 25th below |
| Cost of Funds | 1.44% | 1.85% | -0.41% | 72nd above |
| Net Interest Spread | 2.86% | 3.35% | -0.49% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.92% | -0.90% | 83rd top |
| NPA / Total Assets | 0.01% | 0.67% | -0.66% | 85th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.87% | 1.28% | +0.59% | 91st top |
| ACL / NPLs (Coverage) | 11684.78% | 1640.86% | +10043.92% | — |
| Texas Ratio | 0.08% | 7.15% | -7.07% | 88th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 272.73% | 1189.76% | -917.03% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.47% | 12.46% | -0.99% | 57th above |
| Equity / Assets | 9.21% | 11.67% | -2.46% | 30th below |
| TCE / Tangible Assets | 9.14% | 11.40% | -2.26% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.02% | 78.65% | -25.63% | 90th top |
| Core Deposit Ratio | 90.18% | 87.09% | +3.09% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.19% | 6.47% | -0.28% | 64th above |
| Loan Growth (Y/Y) | 1.82% | 7.64% | -5.82% | 31st below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.62% | 6.02% | -1.40% | 55th above |
See Grand Valley Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Grand 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 Grand Valley Bank profile, how to read a UBPR, or how this data updates.