Pacific 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.
Reserve coverage of non-performing loans climbed 366.12 percentage points in Q2 2026, from 247.73% to 613.84%. It was the largest change from Q1 2026 among the key lines here. Within California, Pacific Valley Bank is 66th of 114 on return on assets, 0.99% as of Q2 2026. Pacific Valley Bank reported 0.99% on return on assets for Q2 2026, 0.26 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.60% |
| Equity capital to assets | 12.12% |
| Tangible equity to tangible assets | 12.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 0.37% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 613.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 7.95% |
| Net interest margin | 3.95% |
| Efficiency ratio | 65.39% |
| Yield on earning assets | 5.63% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.91% |
| Core deposits to total deposits | 90.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.33% |
| Securities to assets | 3.31% |
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 | 12.39% | 1.05% | 3.56% | 0.23% | 0.00% |
| Q4 2023 | 13.02% | 1.02% | 3.82% | 0.02% | 0.00% |
| Q1 2024 | 13.48% | 1.05% | 3.73% | 0.11% | 0.00% |
| Q2 2024 | 13.75% | 0.91% | 3.48% | 0.22% | -0.03% |
| Q3 2024 | 13.17% | 0.95% | 3.44% | 0.24% | -0.03% |
| Q4 2024 | 13.33% | 0.89% | 3.46% | 0.03% | -0.04% |
| Q1 2025 | 13.27% | 0.79% | 3.53% | 0.03% | -0.02% |
| Q2 2025 | 13.37% | 0.77% | 3.75% | 0.05% | -0.03% |
| Q3 2025 | 13.03% | 0.76% | 3.67% | 0.05% | -0.02% |
| Q4 2025 | 12.74% | 0.62% | 4.00% | 0.22% | 0.08% |
| Q1 2026 | 12.51% | 0.84% | 3.87% | 0.60% | -0.02% |
| Q2 2026 | 12.60% | 0.99% | 3.95% | 0.24% | -0.03% |
Pacific Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pacific 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 Pacific Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57740) · FFIEC NIC profile (RSSD 3293540)