BlastPoint's Banking Scorecard
Golden Valley Bank
Community
Specialty: Commercial
CA
FDIC cert 58278
Chico, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Golden Valley Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 28% in Community
- + Non-Interest-Bearing Deposit Share 13.22% above tier
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5% in Community
- - Loan-to-Deposit Ratio 33.00% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$591.6M
+10.3% YoY
+2.8% QoQ
|
-$799.9M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$271.3M
+11.4% YoY
+4.2% QoQ
|
-$704.2M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$541.8M
+10.1% YoY
+2.7% QoQ
|
-$622.8M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.88%
+21.6% YoY
+1.4% QoQ
|
-0.28% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.39%
+7.3% YoY
+1.5% QoQ
|
-0.28% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
61.01%
-11.4% YoY
-2.0% QoQ
|
-1.62% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? | 0.03% | -0.59% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
50.07%
+1.1% YoY
+1.5% QoQ
|
-33.00% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.26%
+8.2% YoY
+8.3% QoQ
|
+13.22% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? | 0.02% | -0.48% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 8% in tier |
| Tier 1 Capital Ratio ? |
15.08%
-9.7% YoY
-2.1% QoQ
|
+4.83% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.20%
-1.5% YoY
+31.4% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#106 of 371 · Top 28% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Community
Why this stands out
Current:
34.26%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Credit Quality Pressure
risk
#41 of 808 · Bottom 5% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
50.07%
(Tier avg: 83.06%, National avg: 78.04%)
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
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.26% · Tier avg: 21.05%
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.08% · Tier avg: 10.24%
54
54th pctile
Efficiency Ratio
Current: 61.01% · Tier avg: 62.63%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
30
30th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.16%
20
20th pctile
Total Deposits
Current: $541.8M · Tier avg: $1.2B
13
13th pctile
Total Assets
Current: $591.6M · Tier avg: $1.4B
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
4
4th pctile
Loan-to-Deposit Ratio
Current: 50.07% · Tier avg: 83.06%
3
3th pctile
Total Loans
Current: $271.3M · Tier avg: $975.5M
Top Weaknesses
3
3th pctile
Total Loans
Current: $271.3M · Tier avg: $975.5M
4
4th pctile
Loan-to-Deposit Ratio
Current: 50.07% · Tier avg: 83.06%
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
13
13th pctile
Total Assets
Current: $591.6M · Tier avg: $1.4B
20
20th pctile
Total Deposits
Current: $541.8M · Tier avg: $1.2B
30
30th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.16%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
54
54th pctile
Efficiency Ratio
Current: 61.01% · Tier avg: 62.63%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.08% · Tier avg: 10.24%
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.26% · Tier avg: 21.05%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%