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Overview / Commentary
190 Cohasset Road, Suite 170
Chico, CA 95926

Golden Valley Bank is headquartered in Chico and is the 164th largest bank in the state of California. It is also the 3,546th largest bank in the nation. It was established in 2006 and as of June of 2014, it had grown to 27 employees at 1 location. Golden Valley Bank has a A+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Golden Valley Bank had $140,000 in non-current loans and owned real-estate with $19.99 million in equity and loan loss allowances on hand to cover it. This gives Golden Valley Bank a Texas Ratio of 0.70% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Golden Valley Bank decreased dramatically from 1.09% as of June 30, 2013 to 0.70% as of June 30, 2014, resulting in a positive change of 35.74%.This indicates that the balance sheet and financial strength for Golden Valley Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Golden Valley Bank has increased its total deposits by $15.23 million, resulting in 12.85% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Golden Valley Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Golden Valley Bank has $160.36 million in assets with $19.99 million in equity, resulting in a capitalization level of 12.46%, which is excellent.

Institution Statistics

FDIC Certificate #58278
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$160.36 million
Loans$96.10 million
Deposits$133.82 million
Equity Capital$18.19 million
Loan Loss Allowance$1.79 million
Unbacked Noncurrent Loans$140,000
Real Estate Owned$0
Historic Data - June 2013
Assets$136.65 million
Equity Capital$17.01 million
Loan Loss Allowance$1.62 million
Unbacked Noncurrent Loans$140,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.92%
Return on Equity7.92%
Interest Income$2.97 million

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Golden Valley Bank Locations
Golden Valley Bank190 Cohasset Road, Suite 170Chico, CA 95926