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Golden Valley Bank
Chico, CA · FDIC Certificate #58278 · Chartered 04/2
Total assets
$604.75M
Total deposits
$553.24M
Total equity
$47.88M
Net loans
$291.27M
Branches (offices)
5
Net income (YTD)
$2.84M
Rank: #1,545 of 4,213 U.S. banks by assets · #74 of 115 in California. Assets changed 4.3% and deposits 3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 11.98% |
| Net interest margin (YTD) | 3.61% |
| Equity to assets | 7.92% |
| Tier 1 leverage ratio | 9.32% |
| Uninsured deposits (share of deposits) | 32.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 52.6% |
| Real estate loans (share of loans) | 87.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $253.63M | 87.1% | |
| Commercial & industrial | $37.61M | 12.9% | |
| Consumer / individual | $225.00K | 0.1% | |
| Construction & development | $15.95M | 5.5% | |
| Agricultural | $1.39M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $487.16M | $454.29M | $2.34M | $31.15M |
| Jun 2023 | $487.33M | $449.99M | $2.02M | $34.58M |
| Jun 2024 | $492.32M | $450.46M | $1.72M | $39.48M |
| Jun 2025 | $579.92M | $535.05M | $2.32M | $42.31M |
| Jun 2026 | $604.75M | $553.24M | $2.84M | $47.88M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $553.24M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $553.24M.
Similar-sized banks
Frontier State Bank ($608.63M) · American Heritage National Bank ($604.66M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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