TellerScore

Grand Valley Bank is a state-chartered bank headquartered in Heber City, Utah, in business for about 43 years. At the end of Q2 2026 it reported $599.4M in total assets and $541.3M in deposits, with 9 offices across 2 states.

Grand Valley Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 45 banks headquartered in Utah, it ranks 12th. Problem-loan coverage contributes the most (100/100, 0.1%); capital cushion contributes the least (65/100, 11.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.47%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity93/100
Loans ÷ deposits and uninsured-deposit share: 52.0% · 21.7% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.08%

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 3 points (79 → 82), mostly because the loan quality component improved by 6 points.

TellerScore
788082Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202479
Q4 202479
Q1 202578
Q2 202579
Q3 202581
Q4 202581
Q1 202681
Q2 202682
Tier 1 leverage ratio
5.00%8.24%11.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.32%
Q3 202410.43%
Q4 202410.41%
Q1 202510.91%
Q2 202511.15%
Q3 202511.17%
Q4 202511.20%
Q1 202611.43%
Q2 202611.47%
Noncurrent loans
0.02%0.12%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.02%
Q4 20240.02%
Q1 20250.22%
Q2 20250.22%
Q3 20250.02%
Q4 20250.02%
Q1 20260.02%
Q2 20260.02%
Return on assets
1.12%1.19%1.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.26%
Q3 20241.23%
Q4 20241.25%
Q1 20251.12%
Q2 20251.18%
Q3 20251.20%
Q4 20251.23%
Q1 20261.14%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$599.4M11.47%0.02%1.19%52.0%
Q1 202681$597.4M11.43%0.02%1.14%51.1%
Q4 202581$586.5M11.20%0.02%1.23%53.1%
Q3 202581$588.3M11.17%0.02%1.20%51.3%
Q2 202579$564.4M11.15%0.22%1.18%53.4%
Q1 202578$575.2M10.91%0.22%1.12%51.4%
Q4 202479$578.1M10.41%0.02%1.25%51.1%
Q3 202479$584.8M10.43%0.02%1.23%51.0%
Q2 202478$569.6M10.32%0.02%1.26%53.0%

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 ratio11.47%
57th
Total risk-based capital0.00%
24th
Problem loans0.02%
84th
Net charge-offs0.01%
49th
Return on assets1.19%
46th
Net interest margin3.76%
40th
Efficiency ratio59.7%
58th
Loans to deposits52.0%
90th
Uninsured deposits21.7%
58th
Loan-loss reserves1.87%
91st
Texas ratio0.1%
86th

Similar-size banks in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
First Electronic BankBank Salt Lake City, UT91 out of 100, Very strong$502.9M46.8%0.01%vs
The Pitney Bowes Bank, Inc.Bank Salt Lake City, UT84 out of 100, Strong$796.3M12.4%0.44%vs
First Utah BankBank Salt Lake City, UT37 out of 100, Low$840.3M10.2%6.39%vs
Milestone BankBank Salt Lake City, UT53 out of 100, Below average$342.2M15.0%5.32%vs
Varo Bank, National AssociationBank Draper, UT76 out of 100, Strong$337.8M18.5%0.42%vs
Brighton BankBank Salt Lake City, UT78 out of 100, Strong$321.6M11.7%0.49%vs

Deposit insurance

Is my money safe at Grand Valley Bank?

Yes. Grand Valley Bank is an FDIC-insured institution (FDIC certificate #24922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.7% of deposits ($117.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Grand Valley Bank lists 9 offices in 8 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Grand Valley Bank reported 31 home-loan applications under HMDA (LEI 5493002HQPD3K5EOQP52): 21 originated ($11,985,000 total), 3 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Grand Valley Bank
Former names
Grand Valley National Bank
Type
State-chartered bank
FDIC certificate #
24922
RSSD ID
178851
Primary regulator
FDIC
Holding company
Sagebrush Partners Lllp
Established
December 13, 1983
Headquarters
191 E Gateway Dr, Heber City, UT 84032
Employees
98

Quick answers

Grand Valley Bank: common questions

Is Grand Valley Bank FDIC insured?

Yes. Grand Valley Bank is an FDIC-insured institution (FDIC certificate #24922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Grand Valley Bank's TellerScore?

82 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 Grand Valley Bank ever failed?

There is no failure record for FDIC certificate #24922 in the FDIC failed bank list.

How many branches does Grand Valley Bank have?

9 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Heber City

InstitutionScoreAssetsCapitalProblem loansCompare
Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT93 out of 100, Very strong$166K99.9%—vs
Central BankBank Provo, UT89 out of 100, Very strong$2.2B15.4%0.47%vs
Utah Power Credit UnionCredit union Murray, UT87 out of 100, Very strong$1.1B13.7%0.27%vs
Square Financial Services, Inc.Bank Salt Lake City, UT84 out of 100, Strong$2.1B65.2%0.67%vs
Orem City Employees Federal Credit UnionCredit union Orem, UT82 out of 100, Strong$2.7M14.3%0.13%vs
Goldenwest Federal Credit UnionCredit union Ogden, UT81 out of 100, Strong$4.3B13.2%0.47%vs