West Valley National 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 Loan-to-deposit ratio: 15.75 percentage points higher than in Q1 2026, at 110.66%. West Valley National Bank has the 1st lowest return on assets of the 12 banks headquartered in Arizona, at -1.15% as of Q2 2026. West Valley National Bank's return on assets of -1.15% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 2.13 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.13% |
| Tier 1 risk-based capital ratio | 12.13% |
| Total risk-based capital ratio | 13.38% |
| Tier 1 leverage ratio | 9.36% |
| Equity capital to assets | 9.09% |
| Tangible equity to tangible assets | 9.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.15% |
| Return on equity | -12.36% |
| Net interest margin | 5.20% |
| Efficiency ratio | 122.01% |
| Yield on earning assets | 6.58% |
| Cost of funds | 1.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.66% |
| Core deposits to total deposits | 98.27% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.99% |
| Securities to assets | 7.38% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.30% | 18.30% | 19.55% | 14.47% | 0.54% |
| Q4 2023 | 17.57% | 17.57% | 18.82% | 14.43% | -2.13% |
| Q1 2024 | 17.74% | 17.74% | 18.99% | 14.51% | -1.71% |
| Q2 2024 | 17.40% | 17.40% | 18.65% | 14.72% | -1.50% |
| Q3 2024 | 17.69% | 17.69% | 18.94% | 14.65% | -1.59% |
| Q4 2024 | 15.81% | 15.81% | 17.06% | 13.88% | -3.82% |
| Q1 2025 | 15.23% | 15.23% | 16.48% | 12.89% | -1.98% |
| Q2 2025 | 13.51% | 13.51% | 14.76% | 11.82% | -2.30% |
| Q3 2025 | 13.65% | 13.65% | 14.90% | 11.87% | -0.11% |
| Q4 2025 | 13.15% | 13.15% | 14.40% | 10.33% | -5.34% |
| Q1 2026 | 12.35% | 12.35% | 13.60% | 9.51% | -2.45% |
| Q2 2026 | 12.13% | 12.13% | 13.38% | 9.36% | -1.15% |
West Valley National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock West Valley National 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 West Valley National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58426) · FFIEC NIC profile (RSSD 3480069)