Pacific Valley Bank
Total assets
$653.3M
▲ +14.1% YoY
Deposits
$570.5M
▲ +16.2% YoY
Loans
$539.3M
▲ +9.7% YoY
Offices
5
PACIFIC VALLEY BCORP
ROA (annualized)
0.87%
peers 1.28%
ROE (annualized)
7.38%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Pacific Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.1% | +4.9% | +9.2 pts |
| Deposit growth (YoY) | +16.2% | +4.3% | +11.9 pts |
| Loan growth (YoY) | +9.7% | +5.3% | +4.3 pts |
| ROA | 0.87% | 1.28% | -0.4 pts |
| ROE | 7.4% | 12.4% | -5.1 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
Profile
- Established
- 2004
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PACIFIC VALLEY BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 150 Main St, Salinas, CA, 93901
- County
- Monterey
- Metro area
- Salinas, CA
- Offices
- 5
- FDIC cert #
- 57740
- RSSD ID
- 3293540
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $653.3M | $570.5M | $539.3M | $79.2M | $2.9M | 0.87% | 3.77% | 0.20% |
| Q1 2026 | $627.9M | $546.2M | $521.5M | $78.1M | $1.3M | 0.79% | 3.68% | 0.51% |
| Q4 2025 | $710.3M | $630.0M | $527.9M | $76.8M | $4.2M | 0.69% | 3.56% | 0.17% |
| Q3 2025 | $596.6M | $515.7M | $510.7M | $76.2M | $3.3M | 0.74% | 3.56% | 0.04% |
| Q2 2025 | $572.6M | $491.1M | $491.7M | $74.7M | $2.2M | 0.73% | 3.49% | 0.04% |
| Q1 2025 | $564.1M | $479.4M | $484.0M | $73.9M | $1.1M | 0.73% | 3.30% | 0.03% |
| Q4 2024 | $655.8M | $579.9M | $478.4M | $72.6M | $5.1M | 0.89% | 3.36% | 0.03% |
| Q3 2024 | $551.2M | $473.2M | $462.9M | $72.1M | $3.8M | 0.93% | 3.49% | 0.21% |
Loan mix (Q2 2026): real estate $464.7M · commercial $54.0M · consumer $1.6M · securities $21.6M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Pacific Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.28% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 12.4% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.89% | 42th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 61.2% | 68th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Pacific Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Pacific Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Pacific Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Pacific Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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