| 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% | 12.5% | -5.1 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| 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 | Pacific Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.28% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 12.5% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 61.1% | 69th |
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% |
| 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% |
| Ratio | Pacific Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
5 branches in 2 counties across 1 state (+1 vs 2025) · $570.5M branch deposits. Biggest market: Monterey, CA, ranked 7th with 4.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monterey, CA | 4 | $552.6M | 3.97% | 7th |
| Santa Cruz, CA | 1 | $18.0M | 0.19% | 12th |
California: 187th with 0.03% · Salinas metro: 7th, 3.97% · Santa Cruz-Watsonville metro: 12th, 0.19% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 5
Technology spend in line with peers (20 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).