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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Heber City, UT · FDIC certificate #24922
GRAND VALLEY BANK is an FDIC-insured institution based in Heber City, UT (FDIC certificate #24922). In its Q3 2026 Call Report it reported total assets of $596M, total deposits of $547M and net loans of $285M. Its primary federal regulator is FDIC.
Plain-language readout
GRAND VALLEY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $599M in Q2 2026 and were lowest at $596M in Q3 2026.
Total deposits were highest at $547M in Q3 2026 and lowest at $541M in Q2 2026.
Over the whole period total assets fell 0.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $596M | $547M | $285M | 1.21% | 13.85% | 3.79% |
| Q2 2026 | $599M | $541M | $282M | 1.19% | 13.23% | 3.76% |
| Q1 2026 | $597M | $543M | $277M | 1.14% | 12.88% | 3.70% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $21.4M | $30.3M | -$9.0M | -29.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $272.0M | $264.6M | +$7.4M | +2.8% |
| Equity securities with readily determinable fair values, not held for trading | $42K | $42K | $0K | 0.0% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $281.6M | $277.4M | +$4.2M | +1.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $12.3M | $12.3M | -$16K | -0.1% |
| 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) | $460K | $500K | -$40K | -8.0% |
| All other assets | $11.6M | $12.2M | -$635K | -5.2% |
| Total assets | $599.4M | $597.4M | +$2.0M | +0.3% |
| Liabilities | ||||
| Total deposits | $541.3M | $542.6M | -$1.3M | -0.2% |
| 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 | $2.9M | $2.6M | +$296K | +11.5% |
| Total liabilities | $544.2M | $545.2M | -$976K | -0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.7M | $1.7M | $0K | 0.0% |
| Surplus | $3.6M | $3.6M | $0K | 0.0% |
| Retained earnings | $65.4M | $64.3M | +$1.2M | +1.8% |
| Accumulated other comprehensive income | -$15.5M | -$17.3M | +$1.8M | +10.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $55.2M | $52.2M | +$2.9M | +5.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $46K | $48K | -$2K | -4.2% |
| Adjusted nonperforming assets | $46K | $48K | -$2K | -4.2% |
| Tangible equity plus allowance | $60.1M | $57.1M | +$3.0M | +5.3% |
| Texas ratio (gross) | 0.08% | 0.08% | -0.01 pts | See points |
| Texas ratio (adjusted) | 0.08% | 0.08% | -0.01 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.08% | 0.08% | -0.01 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.47% | 11.43% | +0.04 pts | See points |
| Construction and land loans to total capital | 57.95% | 53.37% | +4.58 pts | See points |
| Commercial real estate to total capital | 94.60% | 91.91% | +2.69 pts | See points |
| Dividend payout, year to date | 38.54% | 40.24% | -1.69 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -29.21% | -33.15% | +3.93 pts | See points |
| Liquidity | ||||
| Core deposits | $488.2M | $492.2M | -$4.0M | -0.8% |
| Non-core funding | $53.1M | $50.4M | +$2.8M | +5.5% |
| Loans to core deposits | 58.79% | 57.44% | +1.35 pts | See points |
| Loans to deposits | 53.02% | 52.11% | +0.91 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 17.04% | 19.76% | -2.72 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $53.1M | $50.4M | +$2.8M | +5.5% |
| Earnings | ||||
| Earnings before provision, year to date | $4.5M | $2.1M | +$2.3M | +109.3% |
| Earnings before provision, single quarter | $2.3M | $2.1M | +$200K | +9.3% |
| Provision for credit losses, year to date | $30K | $15K | +$15K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.95% | 6.91% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 4.26% | 3.02% | +1.24 pts | See points |
| Total interest income to average assets | 4.80% | 4.71% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 0.18% | 0.18% | +0.00 pts | See points |
| Cost of savings and money market deposits | 1.26% | 1.20% | +0.06 pts | See points |
| Cost of time deposits | 3.62% | 3.62% | -0.01 pts | See points |
| Total interest expense to average assets | 1.28% | 1.28% | -0.00 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 | $596M | $547M | $285M | 1.21% | 13.85% | 3.79% |
| 2026-06-30 | $599M | $541M | $282M | 1.19% | 13.23% | 3.76% |
| 2026-03-31 | $597M | $543M | $277M | 1.14% | 12.88% | 3.70% |
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 |
|---|---|---|---|---|
| CO | $351.9M | 0.20% | 47 | Continuing · +0.00 pp |
| UT | $165.5M | 0.02% | 47 | 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.