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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Chico, CA · FDIC certificate #58278
GOLDEN VALLEY BANK is an FDIC-insured institution based in Chico, CA (FDIC certificate #58278). In its Q3 2026 Call Report it reported total assets of $625M, total deposits of $575M and net loans of $303M. Its primary federal regulator is FDIC.
Plain-language readout
GOLDEN VALLEY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $625M in Q3 2026 and were lowest at $578M in Q1 2026.
Total deposits were highest at $575M in Q3 2026 and lowest at $526M in Q1 2026.
Over the whole period total assets rose 8.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $625M | $575M | $303M | 0.97% | 12.40% | 3.65% |
| Q2 2026 | $605M | $553M | $291M | 0.96% | 11.98% | 3.61% |
| Q1 2026 | $578M | $526M | $270M | 0.99% | 12.25% | 3.64% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $35.8M | $45.7M | -$10.0M | -21.8% |
| Federal funds sold | $12.8M | $24.0M | -$11.2M | -46.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $248.2M | $222.1M | +$26.1M | +11.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $291.3M | $269.7M | +$21.6M | +8.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.1M | $5.2M | -$124K | -2.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $11.7M | $11.0M | +$639K | +5.8% |
| Total assets | $604.7M | $577.7M | +$27.0M | +4.7% |
| Liabilities | ||||
| Total deposits | $553.2M | $525.8M | +$27.5M | +5.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.6M | $4.5M | -$825K | -18.5% |
| Total liabilities | $556.9M | $530.2M | +$26.6M | +5.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $18.7M | $18.7M | $0K | 0.0% |
| Surplus | $3.9M | $3.8M | +$10K | +0.3% |
| Retained earnings | $33.3M | $32.9M | +$331K | +1.0% |
| Accumulated other comprehensive income | -$7.9M | -$8.0M | +$27K | +0.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $47.9M | $47.5M | +$368K | +0.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $91K | -$91K | -100.0% |
| Adjusted nonperforming assets | $0K | $91K | -$91K | -100.0% |
| Tangible equity plus allowance | $52.4M | $51.9M | +$535K | +1.0% |
| Texas ratio (gross) | 0.00% | 0.18% | -0.18 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.18% | -0.18 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 14.65% | 15.41% | -0.76 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.65% | 15.41% | -0.76 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.90% | 16.66% | -0.76 pts | See points |
| Tier 1 leverage (approximate) | 9.32% | 9.28% | +0.04 pts | See points |
| Construction and land loans to total capital | 26.34% | 25.63% | +0.71 pts | See points |
| Commercial real estate to total capital | 223.50% | 212.08% | +11.42 pts | See points |
| Dividend payout, year to date | 40.98% | 6.92% | +34.06 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -21.07% | -20.77% | -0.30 pts | See points |
| Liquidity | ||||
| Core deposits | $517.6M | $493.4M | +$24.3M | +4.9% |
| Non-core funding | $35.6M | $32.4M | +$3.2M | +9.9% |
| Loans to core deposits | 57.14% | 55.54% | +1.60 pts | See points |
| Loans to deposits | 53.47% | 52.12% | +1.35 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 33.71% | 27.70% | +6.01 pts | See points |
| Loans pledged, share of loans | 40.29% | 41.69% | -1.40 pts | See points |
| Volatile liabilities | $35.6M | $32.4M | +$3.2M | +9.9% |
| Earnings | ||||
| Earnings before provision, year to date | $4.2M | $2.1M | +$2.1M | +103.0% |
| Earnings before provision, single quarter | $2.1M | $2.1M | +$61K | +3.0% |
| Provision for credit losses, year to date | $163K | $5K | +$158K | +3160.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.28% | 6.21% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 3.71% | 3.68% | +0.04 pts | See points |
| Total interest income to average assets | 4.64% | 4.56% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.14% | 0.14% | -0.00 pts | See points |
| Cost of savings and money market deposits | 2.03% | 1.95% | +0.08 pts | See points |
| Cost of time deposits | 3.20% | 3.21% | -0.01 pts | See points |
| Total interest expense to average assets | 1.21% | 1.13% | +0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $625M | $575M | $303M | 0.97% | 12.40% | 3.65% |
| 2026-06-30 | $605M | $553M | $291M | 0.96% | 11.98% | 3.61% |
| 2026-03-31 | $578M | $526M | $270M | 0.99% | 12.25% | 3.64% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CA | $535M | 0.03% | 109 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.