Golden Valley Bank

BankChico, California
www.goldenvalley.bank

Total Assets

$591.6M

Total Deposits

$541.8M

Branches

5

Established

2006

TFS Health Grade

$
D+

69.7 / 100

Below average financial health

How we grade

Golden Valley Bank is a bank headquartered in Chico, California, established in 2006. With $591.6M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D+ (69.7/100).

Capital & Safety

Tier 1 Capital Ratio
9.09%(8%)
Total Capital Ratio
16.33%(10%)
Non-Performing Loan Ratio
0.03%

Profitability

Return on Assets (ROA)
0.88%(1%)
Return on Equity (ROE)
11.52%(10%)
Net Interest Margin
3.39%
Efficiency Ratio
61.01%(60%)

Lending & Liquidity

Total Loans
$275.6M
Loan-to-Deposit Ratio
50.07%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+10.31%
Deposit Growth (YoY)
+10.14%
Net Income
$5.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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