Golden Valley Bank: how it compares with its peers
Against 39 CA banks with half to twice its assets, Golden Valley Bank's strongest measure in Q2 2026 is efficiency ratio (61.40% vs. a 62.23% peer median). Its weakest relative measure is net interest margin (3.61% vs. 3.78%).
| Measure | Golden Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.96% | 1.03% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.61% | 3.78% | Middle third Ahead of 36% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.40% | 62.23% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $9.8M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 52.65% | 92.89% | Context |
What it means for lending operations
Its efficiency ratio of 61.40% is better than the 62.23% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Partners Bank of California Mission Viejo, CA · $602M
- Redwood Capital Bank Eureka, CA · $566M
- Pacific Valley Bank Salinas, CA · $653M
- GBC International Bank Los Angeles, CA · $658M
- New OMNI Bank, National Association Alhambra, CA · $518M
Questions about Golden Valley Bank
How big is Golden Valley Bank?
Golden Valley Bank, established in 2006, is headquartered in Chico, CA. It reported $605M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Golden Valley Bank's return on assets?
0.96% annualized in Q2 2026, against a 1.03% median for 39 CA banks with half to twice its assets, ahead of 44% of them.
What is Golden Valley Bank's efficiency ratio?
61.40% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 62.23%, and lower is better.
Is Golden Valley Bank growing its loans?
Net loans grew 17.1% over the year to Q2 2026, while deposits grew 3.4%.
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.