Grand 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 518.11 percentage points higher than in Q1 2026, at 11684.78%. Within Utah, Grand Valley Bank is 34th of 44 on return on assets, 1.20% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Grand Valley Bank sits 0.05 points lower, at 1.20% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.47% |
| Equity capital to assets | 9.21% |
| Tangible equity to tangible assets | 9.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.08% |
| Allowance for credit losses to loans | 1.87% |
| Reserve coverage of non-performing loans | 11684.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.20% |
| Return on equity | 13.71% |
| Net interest margin | 3.72% |
| Efficiency ratio | 57.36% |
| Yield on earning assets | 5.03% |
| Cost of funds | 1.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.02% |
| Core deposits to total deposits | 90.18% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.31% |
| Securities to assets | 45.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.63% | 1.11% | 3.52% | 1.14% | 0.00% |
| Q4 2023 | 9.77% | 1.20% | 3.60% | 1.09% | -0.00% |
| Q1 2024 | 10.08% | 1.06% | 3.50% | 1.15% | -0.00% |
| Q2 2024 | 10.32% | 1.38% | 3.56% | 0.02% | -0.00% |
| Q3 2024 | 10.43% | 1.15% | 3.60% | 0.02% | -0.00% |
| Q4 2024 | 10.41% | 1.24% | 3.65% | 0.02% | -0.00% |
| Q1 2025 | 10.91% | 1.10% | 3.54% | 0.22% | -0.00% |
| Q2 2025 | 11.15% | 1.19% | 3.66% | 0.22% | -0.00% |
| Q3 2025 | 11.17% | 1.21% | 3.72% | 0.02% | 0.00% |
| Q4 2025 | 11.20% | 1.27% | 3.73% | 0.02% | 0.00% |
| Q1 2026 | 11.43% | 1.12% | 3.63% | 0.02% | 0.02% |
| Q2 2026 | 11.47% | 1.20% | 3.72% | 0.02% | 0.00% |
Grand Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand 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 Grand Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24922) · FFIEC NIC profile (RSSD 178851)