BlastPoint's Banking Scorecard

Golden Valley Bank

$100M-$1B Specialty: Commercial CA FDIC cert 58278

Chico, CA

5 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 +3.4% year over year ($553.2M on the books).
Delinquency rate 0.00%.
Return on assets 0.96%.
Efficiency ratio 61.40% vs a 64.48% peer average.
Loan-to-deposit ratio 52.65% 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) →

Golden Valley Bank has 3 strengths but faces 2 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

+ Credit Quality Leader: Top 49.0% in tier
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 3.08% below tier average

Key Concerns

Areas that may need attention

- ROA 0.36% below tier average
- Net Interest Margin 0.38% below tier average

Get updates when Golden 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 ?	$604.7M +4.3% YoY +4.7% QoQ	+$218.2M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	81%
Total Loans ?	$291.3M +17.1% YoY +8.0% QoQ	+$32.9M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	65%
Total Deposits ?	$553.2M +3.4% YoY +5.2% QoQ	+$226.5M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	84%
Return on Assets ?	0.96% +16.9% YoY -2.8% QoQ	-0.36%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	31%
Net Interest Margin ?	3.61% +10.9% YoY -0.9% QoQ	-0.38%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	33%
Efficiency Ratio ?	61.40% -2.7% YoY -0.8% QoQ	-3.08%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	53%
Delinquency Rate ?	0.00% -100.0% QoQ	-0.92%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	52.65% +13.2% YoY +2.6% QoQ	-25.30%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Top 10.6% in tier
Non-Interest-Bearing Deposit Share ?	31.64% +2.1% YoY -0.7% QoQ	+9.61%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 15.0% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.67%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.65% -5.0% YoY -4.9% QoQ	-1.26%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.09% -4.1% YoY +98.9% QoQ	-0.48%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	15%

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	31.6% +0.7pp YoY -0.2pp QoQ	+9.5pp	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	12.9% +1.3pp YoY +1.2pp QoQ	+1.4pp	11.6%	11.8%	12.5%	68%
CRE	70.5% +1.0pp YoY -1.4pp QoQ	+31.0pp	39.5%	67.5%	41.4%	93%
1-4 Family	13.7% -1.5pp YoY +0.2pp QoQ	-18.9pp	32.6%	16.5%	31.3%	17%
Consumer	0.1% +0.1pp YoY +0.1pp QoQ	-4.0pp	4.1%	5.3%	5.0%	5%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	14.7% -0.8pp YoY -0.8pp QoQ	-4.2pp	18.8%	23.7%	19.7%	46%
Leverage Ratio	9.3% +0.5pp YoY 0.0pp QoQ	-2.8pp	12.2%	14.5%	12.6%	18%
Total Capital Ratio	15.9% -0.8pp YoY -0.8pp QoQ	-4.0pp	19.9%	25.1%	20.8%	47%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	65 +5 (+8.3%) YoY +1 (+1.6%) QoQ	+6	58	337	482	67%
Assets per Employee ($)	$9.3M -3.7% YoY +3.1% QoQ	+$1.8M	$7.5M	$11.3M	$8.8M	82%
Branch Count	5 0 YoY 0 QoQ	0	4	15	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.4%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	17.11x	20.23x	n/a
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.3%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	12.0% +1.1pp YoY -0.3pp QoQ	-0.2pp	12.2%	8.2%	11.6%	50%
Cost of Funds (YTD)	1.2% -0.2pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.9%	1.7%	20%
Net Income ($, YTD)	$2.8M +22.7% YoY — QoQ	+$288K	$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 (1)

Credit Quality Leader

growth

#324 of 659 • Top 49.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

280

Loan-to-Deposit Ratio

liquidity

Value: 52.65%

Peer Median: 77.95%

#280 of 2643 Top 10.6% in $100M-$1B

397

Non-Interest-Bearing Deposit Share

funding

Value: 31.64%

Peer Median: 22.03%

#397 of 2643 Top 15.0% in $100M-$1B

415

Total Deposits

size

Value: $553.24M

Peer Median: $326.73M

#415 of 2643 Top 15.7% in $100M-$1B

504

Total Assets

size

Value: $604.75M

Peer Median: $386.57M

#504 of 2643 Top 19.0% in $100M-$1B

Top Weaknesses (1 metrics)

2243

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2243 of 2643 Bottom 15.2% in $100M-$1B