West Valley National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Valley National Bank of Goodyear, AZ against its peer group of 536 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 | -1.15% | 3.33% | -4.48% | 7th bottom |
| ROAE | -12.36% | 8.32% | -20.68% | 5th bottom |
| Net Interest Margin | 5.20% | 3.92% | +1.28% | 91st top |
| Efficiency Ratio | 122.01% | 84.41% | +37.60% | 8th bottom |
| PPNR / Avg Assets | -1.15% | 1.56% | -2.71% | 5th bottom |
| Yield on Earning Assets | 6.58% | 5.24% | +1.34% | 89th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.55% | 1.67% | -0.12% | 49th below |
| Net Interest Spread | 4.03% | 3.30% | +0.73% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 1.19% | 1.53% | -0.34% | 46th below |
| Texas Ratio | 0.00% | 8.57% | -8.57% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.13% | 127.10% | -114.97% | 9th bottom |
| Tier 1 Ratio | 12.13% | 127.12% | -114.99% | 9th bottom |
| Total Capital Ratio | 13.38% | 128.00% | -114.62% | 10th bottom |
| Leverage Ratio | 9.36% | 22.10% | -12.74% | 13th bottom |
| Equity / Assets | 9.09% | 20.74% | -11.65% | 18th bottom |
| TCE / Tangible Assets | 9.09% | 20.49% | -11.40% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 110.66% | 74.20% | +36.46% | 4th bottom |
| Core Deposit Ratio | 98.27% | 88.29% | +9.98% | 89th top |
| Wholesale Funding Ratio | 10.09% | 5.29% | +4.80% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.03% | 3.83% | -1.80% | 45th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.17% | 6.85% | -0.68% | 65th above |
| Deposit Growth (Y/Y) | -6.66% | 2.99% | -9.65% | 10th bottom |
See West Valley National Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Valley National 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 West Valley National Bank profile, how to read a UBPR, or how this data updates.