BlastPoint's Banking Scorecard

Pacific Valley Bank

$100M-$1B Specialty: Commercial CA FDIC cert 57740

Salinas, CA

6 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
Deposits +16.2% year over year ($570.5M on the books).
Delinquency rate 0.24%.
Return on assets 0.87%.
Efficiency ratio 67.79% vs a 64.48% peer average.
Loan-to-deposit ratio 94.52% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA

View $100M-$1B leaderboard (CA) →

Pacific Valley Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 30.3% in tier
- Credit Risk Growth: Bottom 48.1% in tier
- ROA 0.45% below tier average
- Net Interest Margin 0.22% below tier average
- Efficiency Ratio 3.31% above tier average

Get updates when Pacific Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$653.3M +14.1% YoY +4.0% QoQ	+$266.7M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	85%
Total Loans ?	$539.3M +9.7% YoY +3.4% QoQ	+$280.9M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	Top 8.7% in tier
Total Deposits ?	$570.5M +16.2% YoY +4.5% QoQ	+$243.8M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Top 14.4% in tier
Return on Assets ?	0.87% +18.2% YoY +10.2% QoQ	-0.45%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	27%
Net Interest Margin ?	3.77% +7.9% YoY +2.4% QoQ	-0.22%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	40%
Efficiency Ratio ?	67.79% -5.1% YoY -3.5% QoQ	+3.31%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	35%
Delinquency Rate ?	0.24% +412.6% YoY -60.8% QoQ	-0.68%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	62%
Loan-to-Deposit Ratio ?	94.52% -5.6% YoY -1.0% QoQ	+16.57%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	31.82% -3.1% YoY +0.7% QoQ	+9.79%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 14.8% in tier
Nonperforming Asset Ratio ?	0.20% +392.7% YoY -61.0% QoQ	-0.47%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	61%
Tier 1 Capital Ratio ?	12.60% -5.8% YoY +0.7% QoQ	-3.31%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.11% -33.2% YoY +98.7% QoQ	-0.45%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	23%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	31.8% -1.0pp YoY +0.2pp QoQ	+9.7pp	22.1%	25.5%	22.2%	85%
Brokered Deposits	n/a	n/a	7.9%	11.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	10.0% +2.1pp YoY +0.3pp QoQ	-1.5pp	11.6%	11.8%	12.5%	53%
CRE	69.1% -2.1pp YoY 0.0pp QoQ	+29.6pp	39.5%	67.5%	41.4%	93%
1-4 Family	5.6% 0.0pp YoY -0.3pp QoQ	-27.1pp	32.6%	16.5%	31.3%	6%
Consumer	0.3% -0.2pp YoY 0.0pp QoQ	-3.8pp	4.1%	5.3%	5.0%	11%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.7%	19.7%	n/a
Leverage Ratio	12.6% -0.8pp YoY +0.1pp QoQ	+0.4pp	12.2%	14.5%	12.6%	71%
Total Capital Ratio	n/a	n/a	19.9%	25.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	59 -4 (-6.3%) YoY +1 (+1.7%) QoQ	+0	58	337	482	62%
Assets per Employee ($)	$11.1M +21.8% YoY +2.3% QoQ	+$3.6M	$7.5M	$11.3M	$8.8M	90%
Branch Count	6 +2 (+50.0%) YoY +1 (+20.0%) QoQ	+1	4	15	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% -0.4pp QoQ	-0.1pp	0.3%	0.3%	0.4%	65%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.4%	1.0%	10%
Allowance Coverage	6.14x -81.6% YoY +147.8% QoQ	-18.01x	24.15x	17.11x	20.23x	74%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.3%	0.2%	9%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	7.4% +1.4pp YoY +0.6pp QoQ	-4.8pp	12.2%	8.2%	11.6%	22%
Cost of Funds (YTD)	1.6% -0.2pp YoY +0.1pp QoQ	-0.1pp	1.7%	1.9%	1.7%	41%
Net Income ($, YTD)	$2.9M +31.4% YoY — QoQ	+$327K	$2.6M	$28.5M	$40.4M	68%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#382 of 1256 • Bottom 30.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.24%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#451 of 936 • Bottom 48.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

230

Total Loans

size

Value: $539.26M

Peer Median: $258.35M

#230 of 2643 Top 8.7% in $100M-$1B

382

Total Deposits

size

Value: $570.55M

Peer Median: $326.73M

#382 of 2643 Top 14.4% in $100M-$1B

392

Non-Interest-Bearing Deposit Share

funding

Value: 31.82%

Peer Median: 22.03%

#392 of 2643 Top 14.8% in $100M-$1B

407

Total Assets

size

Value: $653.30M

Peer Median: $386.57M

#407 of 2643 Top 15.4% in $100M-$1B

Top Weaknesses (2 metrics)

2193

Loan-to-Deposit Ratio

liquidity

Value: 94.52%

Peer Median: 77.95%

#2193 of 2643 Bottom 17.1% in $100M-$1B

2039

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2039 of 2643 Bottom 22.9% in $100M-$1B