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West Valley National Bank

under $100M Specialty: Commercial AZ FDIC cert 58426

Designations: ✓ Community bank

Goodyear, AZ

3 branches across AZ · NV

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 536 banks in the under $100M peer group nationwide — 1 of 1 in AZ.
  • Deposits -6.7% year over year ($59.4M on the books).
  • Delinquency rate 0.00%.
  • Return on assets -1.75%.
  • Efficiency ratio 135.16% vs a 119.40% peer average.
  • Loan-to-deposit ratio 109.34% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 1 in AZ
View under $100M leaderboard (AZ) →

West Valley National Bank has 4 strengths but faces 3 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 1.48% below tier average
  • + Non-Interest-Bearing Deposit Share 22.24% above tier average
  • + Nonperforming Asset Ratio 0.84% below tier average
  • + Net Interest Margin 1.09% above tier average

Key Concerns

Areas that may need attention

  • - Return on Assets 2.75% below tier average
  • - Efficiency Ratio 15.76% above tier average
  • - Loan-to-Deposit Ratio 35.13% above tier average
Get updates when West Valley National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Total Assets ? $74.3M
+2.0% YoY -2.9% QoQ
+$11.8M $62.4M
-0.0% YoY
$17.4B
+6.1% YoY
$6.3B
+7.7% YoY
63%
Total Loans ? $65.0M
+6.2% YoY +0.5% QoQ
+$30.1M $34.9M
-0.6% YoY
$9.3B
+8.2% YoY
$3.2B
+9.4% YoY
Top 9.1% in tier
Total Deposits ? $59.4M
-6.7% YoY -13.8% QoQ
+$7.8M $51.6M
-0.2% YoY
$14.8B
+6.2% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? -1.75%
+18.3% YoY +25.8% QoQ
-2.75% 1.00%
+3.5% YoY
0.35%
+477.8% YoY
1.30%
+12.1% YoY
Bottom 4.9% in tier
Net Interest Margin ? 5.01%
+5.2% YoY +2.7% QoQ
+1.09% 3.91%
+2.3% YoY
3.96%
+2.3% YoY
3.95%
+4.9% YoY
Top 12.3% in tier
Efficiency Ratio ? 135.16%
-6.4% YoY -9.1% QoQ
+15.76% 119.40%
+49.6% YoY
81.56%
-13.3% YoY
70.05%
+2.5% YoY
Bottom 5.6% in tier
Delinquency Rate ? 0.00%
-100.0% YoY
-1.48% 1.48%
+31.8% YoY
1.46%
+76.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 109.34%
+13.8% YoY +16.6% QoQ
+35.13% 74.21%
+12.6% YoY
84.92%
+5.8% YoY
79.03%
+2.3% YoY
Bottom 4.7% in tier
Non-Interest-Bearing Deposit Share ? 45.73%
-5.2% YoY -2.0% QoQ
+22.24% 23.49%
+0.6% YoY
24.29%
+4.4% YoY
21.98%
-0.6% YoY
Top 4.5% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.84% 0.84%
+23.0% YoY
1.10%
+71.6% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 12.13%
-10.2% YoY -1.8% QoQ
-14.99% 27.13%
+3.0% YoY
14.82%
-13.7% YoY
17.09%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.10%
-27.2% YoY +111.3% QoQ
-1.28% 1.38%
+6.3% YoY
0.29%
-0.6% YoY
0.66%
+5.2% YoY
42%

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 (AZ) National Avg Tier Percentile
Noninterest-Bearing 45.7%
-2.5pp YoY
-0.9pp QoQ
 +21.1pp 24.6% 24.3% 22.2% 95%
Brokered Deposits n/a n/a 9.8% 7.6% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
C&I 31.6%
+2.0pp YoY
-0.7pp QoQ
 +18.2pp 13.4% 20.4% 12.5% 92%
CRE 65.8%
+0.8pp QoQ
 +40.5pp 25.2% 53.9% 41.4% 96%
1-4 Family 3.8%
-0.4pp YoY
0.0pp QoQ
 -31.2pp 35.0% 22.4% 31.3% 12%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -7.6pp 7.7% 11.3% 5.0% 1%

Capital

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
CET1 Ratio 12.1%
-1.4pp YoY
-0.2pp QoQ
 -26.6pp 38.7% 16.6% 19.7% 7%
Leverage Ratio 9.4%
-2.5pp YoY
-0.2pp QoQ
 -8.3pp 17.7% 11.4% 12.6% 12%
Total Capital Ratio 13.4%
-1.4pp YoY
-0.2pp QoQ
 -26.3pp 39.7% 17.8% 20.8% 8%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Full-Time Employees 22
0 YoY
0 QoQ
 +10 12 1,366 482 92%
Assets per Employee ($) $3.4M
+2.0% YoY
-2.9% QoQ
 -$2.8M $6.2M $9.6M $8.8M 11%
Branch Count 3
-1 (-25.0%) YoY
0 QoQ
 +1 1 6 18 89%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 1.2% 0.4% n/a
Nonaccrual n/a n/a 1.7% 1.5% 1.0% n/a
Allowance Coverage n/a n/a 6.41x 2.94x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.2% 0.6% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
ROE -18.9%
-1.5pp YoY
+6.4pp QoQ
 -25.3pp 6.4% 4.1% 11.6% 3%
Cost of Funds (YTD) 1.3%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 1.4% 1.9% 1.7% 48%
Net Income ($, YTD) $-669000.0
+12.1% YoY
— QoQ
 -$987K $317,817 $88.2M $40.4M 3%

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 (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).
Comparing against 536 peers in under $100M

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 1.48%
#1 of 517 Top 0.1% in under $100M
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.84%
#1 of 536 Top 0.1% in under $100M
25
Non-Interest-Bearing Deposit Share
funding
Value: 45.73%
Peer Median: 23.49%
#25 of 536 Top 4.5% in under $100M
50
Total Loans
size
Value: $64.97M
Peer Median: $34.89M
#50 of 536 Top 9.1% in under $100M
67
Net Interest Margin
profitability
Value: 5.01%
Peer Median: 3.91%
#67 of 536 Top 12.3% in under $100M

Top Weaknesses (4 metrics)

512
Loan-to-Deposit Ratio
liquidity
Value: 109.34%
Peer Median: 74.21%
#512 of 536 Bottom 4.7% in under $100M
511
Return on Assets
profitability
Value: -1.75%
Peer Median: 1.00%
#511 of 536 Bottom 4.9% in under $100M
507
Efficiency Ratio
profitability
Value: 135.16%
Peer Median: 119.40%
#507 of 536 Bottom 5.6% in under $100M
409
Tier 1 Capital Ratio
capital
Value: 12.13%
Peer Median: 27.13%
#409 of 536 Bottom 23.9% in under $100M
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