West Valley National Bank: how it compares with its peers
Against 819 U.S. banks with half to twice its assets, West Valley National Bank's strongest measure in Q2 2026 is net interest margin (5.01% vs. a 3.88% peer median). Its weakest relative measure is return on assets (-1.75% vs. 1.09%).
| Measure | West Valley National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -1.75% | 1.09% | Bottom third Ahead of 3% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.01% | 3.88% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 135.16% | 67.01% | Bottom third Ahead of 3% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.4M | $6.3M | Bottom third Ahead of 6% of peers |
| Loans to deposits Net loans and leases over total deposits. | 109.34% | 72.08% | Context |
What it means for lending operations
Its efficiency ratio of 135.16% is above the 67.01% 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
- Ipswich State Bank Ipswich, SD · $74M
- Nebraska State Bank Oshkosh, NE · $74M
- Fidelity Personal Trust Company, FSB Merrimack, NH · $75M
- Bank of Iberia Iberia, MO · $74M
- Riverside Bank Sparkman, AR · $74M
- Union State Bank Uniontown, KS · $74M
Questions about West Valley National Bank
How big is West Valley National Bank?
West Valley National Bank, established in 2006, is headquartered in Goodyear, AZ. It reported $74M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is West Valley National Bank's return on assets?
-1.75% annualized in Q2 2026, against a 1.09% median for 819 U.S. banks with half to twice its assets, ahead of 3% of them.
What is West Valley National Bank's efficiency ratio?
135.16% in Q2 2026: it spent about 135 cents in noninterest expense for each dollar of revenue. The peer median is 67.01%, and lower is better.
Is West Valley National Bank growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits shrank 6.7%.
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 U.S. 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 Arizona bank ranked.