BlastPoint's Banking Scorecard

Pacific Valley Bank

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

Salinas, CA

6 branches across CA

2664 banks in the $100M-$1B peer group nationally 53 in CA

Pacific Valley Bank has 1 strength but faces 4 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 0.28% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 47.7% in tier
- ROA 0.48% below tier average
- Net Interest Margin 0.25% below tier average
- Efficiency Ratio 4.93% above tier average

Get updates when Pacific Valley Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$627.9M +11.3% YoY -11.6% QoQ	+$241.9M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$521.5M +7.8% YoY -1.2% QoQ	+$265.8M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Top 9.3% in tier
Total Deposits ?	$546.2M +13.9% YoY -13.3% QoQ	+$218.2M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	0.79% +8.6% YoY +15.0% QoQ	-0.48%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	25%
Net Interest Margin ?	3.68% +11.5% YoY +3.5% QoQ	-0.25%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	40%
Efficiency Ratio ?	70.22% -0.9% YoY -2.8% QoQ	+4.93%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	32%
Delinquency Rate ?	0.61% +168.8% QoQ	-0.28%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	40%
Loan-to-Deposit Ratio ?	95.49% -5.4% YoY +13.9% QoQ	+18.85%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	Bottom 14.9% in tier
Non-Interest-Bearing Deposit Share ?	31.61% +1.1% YoY -30.0% QoQ	+9.59%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 14.5% in tier
Nonperforming Asset Ratio ?	0.51% +200.4% QoQ	-0.13%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	37%
Tier 1 Capital Ratio ?	12.51% -5.7% YoY -1.8% QoQ	-3.32%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.06% -43.5% YoY -76.5% QoQ	-0.22%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	24%

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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 (1)

Liquidity Strain

risk

#308 of 643 • Bottom 47.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.49%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

250

Total Loans

size

Value: $521.55M

Peer Median: $255.72M

#250 of 2664 Top 9.3% in $100M-$1B

386

Non-Interest-Bearing Deposit Share

funding

Value: 31.61%

Peer Median: 22.02%

#386 of 2664 Top 14.5% in $100M-$1B

441

Total Deposits

size

Value: $546.20M

Peer Median: $327.97M

#441 of 2664 Top 16.5% in $100M-$1B

467

Total Assets

size

Value: $627.94M

Peer Median: $386.08M

#467 of 2664 Top 17.5% in $100M-$1B

Top Weaknesses (2 metrics)

2268

Loan-to-Deposit Ratio

liquidity

Value: 95.49%

Peer Median: 76.64%

#2268 of 2664 Bottom 14.9% in $100M-$1B

2038

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2038 of 2664 Bottom 23.5% in $100M-$1B