BlastPoint's Banking Scorecard
Pacific Valley Bank
Community
Specialty: Commercial
CA
FDIC cert 57740
Salinas, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Pacific Valley Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 24.14% above tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 92% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$710.3M
+8.3% YoY
+19.1% QoQ
|
-$681.1M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$527.9M
+10.4% YoY
+3.4% QoQ
|
-$447.5M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$630.0M
+8.6% YoY
+22.2% QoQ
|
-$534.6M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
0.68%
-22.9% YoY
-7.3% QoQ
|
-0.48% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.56%
+5.8% YoY
-0.1% QoQ
|
-0.11% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
72.21%
+13.3% YoY
+1.0% QoQ
|
+9.58% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.23%
+547.8% YoY
+378.1% QoQ
|
-0.40% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
83.80%
+1.6% YoY
-15.4% QoQ
|
+0.74% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
45.18%
+0.6% YoY
+44.8% QoQ
|
+24.14% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.17%
+560.0% YoY
+315.1% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.24%
+7.0% YoY
+6.6% QoQ
|
-0.50% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Community
Why this stands out
Current:
45.18%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Cost Spiral
risk
#37 of 40 · Bottom 92% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
72.21%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 45.18% · Tier avg: 21.05%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
68
68th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
47
47th pctile
Loan-to-Deposit Ratio
Current: 83.80% · Tier avg: 83.06%
44
44th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
34
34th pctile
Total Loans
Current: $527.9M · Tier avg: $975.5M
31
31th pctile
Total Deposits
Current: $630.0M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Total Assets
Current: $710.3M · Tier avg: $1.4B
22
22th pctile
Efficiency Ratio
Current: 72.21% · Tier avg: 62.63%
19
19th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.16%
16
16th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
Top Weaknesses
16
16th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
19
19th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.16%
22
22th pctile
Efficiency Ratio
Current: 72.21% · Tier avg: 62.63%
28
28th pctile
Total Assets
Current: $710.3M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Total Deposits
Current: $630.0M · Tier avg: $1.2B
34
34th pctile
Total Loans
Current: $527.9M · Tier avg: $975.5M
44
44th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
47
47th pctile
Loan-to-Deposit Ratio
Current: 83.80% · Tier avg: 83.06%
68
68th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 45.18% · Tier avg: 21.05%