West Valley National Bank
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Data as of · sourced from FFIEC call reports. How we update
West Valley National Bank is an FDIC-insured commercial bank headquartered in Goodyear, AZ, established in 2006 (FDIC certificate 58426), and it is supervised by the OCC. At Q2 2026 it reported total assets of $74.3M, up 2.0% from Q2 2025, the 12th largest of 12 banks headquartered in Arizona. Its CET1 capital ratio was 12.13% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 58426
- Headquarters
- Goodyear, AZ
- Established
- 2006
- Total assets, Q2 2026
- $74.3M
- Assets vs Q2 2025
- +2.0%
- CET1 ratio, Q2 2026
- 12.13%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 122106222
- Latest call report
- Q2 2026, FFIEC 051 · West Valley National Bank call report
- Holding company
- WEST VALLEY BANCORP, INC.
- Asset rank in state
- 12th of 12 in Arizona
West Valley National Bank spends more to run itself than most banks of its size. It reported $74 million in assets at June 30, 2026, up 2.0% from a year earlier. It loses about $1.15 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 122 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 69 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 1.40%. It lost $212,000 in the quarter. Where it has less room is capital: it holds common equity equal to 12.13% of its risk-weighted assets, about half the median of 22.08% for banks its size.
As of June 30, 2026, West Valley National Bank reported a CET1 capital ratio of 12.13%, a return on assets of -1.15%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, West Valley National Bank is the smallest of the 12 banks headquartered in Arizona. From Q1 2026 to Q2 2026, its total assets fell 2.9% to $74.3M, loans rose 0.5% and deposits fell 13.8%. Owner-occupied commercial real estate loans made up 35.4% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 31.2%. The FDIC Summary of Deposits lists 3 offices for it, in Goodyear, AZ, Gila Bend, AZ and Las Vegas, NV; its Goodyear office books 69% of its branch deposits. On its Q2 2026 call report, West Valley National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2440 N Litchfield Rd, Goodyear, AZ 85395
- County
- Maricopa
- Metro Area
- Phoenix-Mesa-Chandler, AZ
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 22, 2006
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $59.4M
- Allowance for credit losses
- $785K
- Net charge-offs (YTD)
- $0
- Average total assets
- $73.7M
- Average total loans
- $63.8M
- Average interest-bearing deposits
- $33.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 22, 2006
- FDIC Cert
- 58426
- Fed RSSD
- 3480069
- SEC CIK
- 1386227 → filed by WEST VALLEY BANCORP, INC.
- Website
- www.wvnb.net →
- Parent Holding Company
- WEST VALLEY BANCORP, INC. (RSSD 3480050)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, West Valley National Bank's total assets ran between $67.6M (Q3 2024) and $78.3M (Q4 2025), and it earned a profit in 1 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$74.3M total assets against $72.8M; $67.5M total liabilities against $64.4M.
$65.0M net loans and leases against $61.2M; $59.4M total deposits against $63.7M.
$5.5M securities against $7.7M; $1.9M cash and balances due against $1.8M.
$1.2M total interest income against $1.1M; $244K total interest expense against $207K.
$923K net interest income against $857K.
$40K total noninterest income against $56K; $1.2M total noninterest expense against $1.3M.
$0 provision for credit losses against $0.
-$212K net income against -$416K.
-1.15% return on assets against -2.30%; 5.20% net interest margin against 4.90%.
12.13% CET1 capital ratio against 13.51%; 9.36% tier 1 leverage ratio against 11.82%.
Inside the full West Valley National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
West Valley National Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -5.34% (Q4 2025) to -0.11% (Q3 2025) and its net interest margin ran from 4.43% (Q1 2025) to 8.30% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.13% | -1.15% | 0.00% | 0.00% | 5.20% |
| Q1 2026 | 12.35% | -2.45% | 0.00% | 0.00% | 5.07% |
| Q4 2025 | 13.15% | -5.34% | 0.00% | 0.00% | 5.26% |
| Q3 2025 | 13.65% | -0.11% | 0.00% | 0.00% | 8.30% |
| Q2 2025 | 13.51% | -2.30% | 1.40% | 9.47% | 4.90% |
| Q1 2025 | 15.23% | -1.98% | 1.55% | 9.10% | 4.43% |
| Q4 2024 | 15.81% | -3.82% | 3.00% | 17.61% | 4.55% |
| Q3 2024 | 17.69% | -1.59% | 3.20% | 16.49% | 4.45% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| West Valley National Bank (main office) | Goodyear , AZ | 85395 | $41.2M |
| Gila Bend Branch | Gila Bend , AZ | 85337 | $11.4M |
| West Valley National Bank - Las Vegas Branch | Las Vegas , NV | 89146 | $6.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- March 29, 2021, OCC: Formal Agreement: West Valley National Bank
- Period: Most recent institution action March 29, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in AZ, rank 55 of 57 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $2.4M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 West Valley National Bank
What are West Valley National Bank's total assets?
As of the Q2 2026 filing, West Valley National Bank reported total assets of $74.3 million in its FFIEC call report.
Where is West Valley National Bank headquartered?
It is headquartered in Goodyear, AZ, United States.
When was West Valley National Bank founded?
It was established in 2006, per the FDIC institution directory.
Is West Valley National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58426). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Valley National Bank?
West Valley National Bank's primary federal regulator is the OCC.
What is West Valley National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.13% in its Q2 2026 call report, above regulatory requirements.
How many branches does West Valley National Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is West Valley National Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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