TellerScore

Golden Valley Bank is a state-chartered bank headquartered in Chico, California, in business for about 20 years. At the end of Q2 2026 it reported $604.7M in total assets and $553.2M in deposits, with 5 offices.

Based on its Q2 2026 filing, Golden Valley Bank scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 46th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (43/100; 9.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.32%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings58/100
Return on assets (annualized): 0.96%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 52.6% · 32.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (70 → 72), mostly because the earnings component improved by 5 points.

TellerScore
707273Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202472
Q1 202570
Q2 202570
Q3 202571
Q4 202570
Q1 202673
Q2 202672
Tier 1 leverage ratio
5.00%7.55%10.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.10%
Q3 202410.10%
Q4 20249.76%
Q1 20259.50%
Q2 20258.87%
Q3 20259.05%
Q4 20259.09%
Q1 20269.28%
Q2 20269.32%
Noncurrent loans
0.00%0.02%0.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.03%
Q1 20260.03%
Q2 20260.00%
Return on assets
0.71%0.85%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.73%
Q4 20240.73%
Q1 20250.71%
Q2 20250.82%
Q3 20250.87%
Q4 20250.88%
Q1 20260.99%
Q2 20260.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$604.7M9.32%0.00%0.96%52.6%
Q1 202673$577.7M9.28%0.03%0.99%51.3%
Q4 202570$591.6M9.09%0.03%0.88%50.1%
Q3 202571$575.3M9.05%0.00%0.87%49.3%
Q2 202570$579.9M8.87%0.00%0.82%46.5%
Q1 202570$574.6M9.50%0.00%0.71%45.5%
Q4 202472$536.3M9.76%0.00%0.73%49.5%
Q3 202473$499.6M10.10%0.00%0.73%52.3%
Q2 202473$492.3M10.10%0.00%0.71%51.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.32%
18th
Total risk-based capital15.90%
73rd
Problem loans0.00%
94th
Net charge-offs0.07%
24th
Return on assets0.96%
31st
Net interest margin3.61%
33rd
Efficiency ratio61.4%
53rd
Loans to deposits52.6%
89th
Uninsured deposits32.9%
21st
Loan-loss reserves1.53%
81st
Texas ratio0.0%
95th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Partners Bank of CaliforniaBank Mission Viejo, CA73 out of 100, Strong$602.2M11.7%0.00%vs
Redwood Capital BankBank Eureka, CA76 out of 100, Strong$566.0M11.0%0.13%vs
Pacific Valley BankBank Salinas, CA70 out of 100, Strong$653.3M12.6%0.24%vs
GBC International BankBank Los Angeles, CA83 out of 100, Strong$658.5M15.9%0.26%vs
New OMNI Bank, National AssociationBank Alhambra, CA53 out of 100, Below average$517.9M27.1%7.69%vs
Chino Commercial Bank, N.A.Bank Chino, CA79 out of 100, Strong$516.7M12.5%0.49%vs

Deposit insurance

Is my money safe at Golden Valley Bank?

Yes. Golden Valley Bank is an FDIC-insured institution (FDIC certificate #58278). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.9% of deposits ($182.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.32%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.90% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Golden Valley Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Golden Valley Bank
Type
State-chartered bank
FDIC certificate #
58278
RSSD ID
3440803
Primary regulator
FDIC
Holding company
Golden Valley Bancshares Inc
Established
April 24, 2006
Headquarters
190 Cohasset Rd, Chico, CA 95926
Employees
65

Quick answers

Golden Valley Bank: common questions

Is Golden Valley Bank FDIC insured?

Yes. Golden Valley Bank is an FDIC-insured institution (FDIC certificate #58278). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Golden Valley Bank's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Golden Valley Bank ever failed?

There is no failure record for FDIC certificate #58278 in the FDIC failed bank list.

How many branches does Golden Valley Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Chico

InstitutionScoreAssetsCapitalProblem loansCompare
First Northern Bank of DixonBank Dixon, CA74 out of 100, Strong$1.9B12.0%0.41%vs
Self-Help Federal Credit UnionCredit union Durham, NC73 out of 100, Strong$2.4B25.2%1.01%vs
Column National AssociationBank Salt Lake City, UT72 out of 100, Strong$1.8B8.4%0.06%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Tri Counties BankBank Chico, CA70 out of 100, Strong$9.9B12.0%0.94%vs
Five Star BankBank Roseville, CA68 out of 100, Moderate$5.4B10.3%0.30%vs