Pacific Valley Bank: how it compares with its peers
Against 40 CA banks with half to twice its assets, Pacific Valley Bank's strongest measure in Q2 2026 is assets per employee ($11.1M vs. a $9.4M peer median). Its weakest relative measure is efficiency ratio (67.79% vs. 61.82%).
| Measure | Pacific Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.87% | 1.05% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.77% | 3.79% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.79% | 61.82% | Middle third Ahead of 35% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.1M | $9.4M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.52% | 91.74% | Context |
What it means for lending operations
Its efficiency ratio of 67.79% is above the 61.82% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- GBC International Bank Los Angeles, CA · $658M
- Golden Valley Bank Chico, CA · $605M
- Partners Bank of California Mission Viejo, CA · $602M
- Redwood Capital Bank Eureka, CA · $566M
Questions about Pacific Valley Bank
How big is Pacific Valley Bank?
Pacific Valley Bank, established in 2004, is headquartered in Salinas, CA. It reported $653M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Pacific Valley Bank's return on assets?
0.87% annualized in Q2 2026, against a 1.05% median for 40 CA banks with half to twice its assets, ahead of 40% of them.
What is Pacific Valley Bank's efficiency ratio?
67.79% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 61.82%, and lower is better.
Is Pacific Valley Bank growing its loans?
Net loans grew 9.7% over the year to Q2 2026, while deposits grew 16.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.