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Overview / Commentary
2440 North Litchfield Road
Goodyear, AZ 85395

West Valley National Bank is headquartered in Goodyear and is the 22nd largest bank in the state of Arizona. It is also the 6,179th largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 16 employees at 3 locations. West Valley National Bank has a B+ health rating.

Reviews (2)

Terrible Banking Exp.

I was a client of this bank and I would NOT recommend anyone to go there. There online banking is terrible. Also, there service is terrible. The employee turn over is very high. People come and go at this place. They had some good hard working employees leave because of the CEO. When the good employees leave so does the service. In speaking with a few of the employees there they are treated very poor by the CEO Candace W. and she loves to micro-manage them. It's either her way or the highway! She won't even listen to her employees suggestions because she thinks she is just so powerful and knows everything. If she continue to manage this bank and the employee turn over does NOT stabilize this bank will not be around in the next few years. STAY AWAY!!

I Would Not Bank Here If I Were You!

This is the worst run bank I have ever seen.  The turnover is over 200% a year becasue of the CEO.  She apparently treats all of her employees like garbage and they leave after 4-5 months.  The bank losses money each year but the Board keeps her on.  Go figure.  Put your money somewhere else. 


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. West Valley National Bank has a low asset base.

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 March 31, 2014 West Valley National Bank had $0 in non-current loans and owned real-estate with $8.74 million in equity and loan loss allowances on hand to cover it. This gives West Valley National Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, West Valley National Bank has increased its total deposits by $1.73 million, resulting in 5.51% 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 West Valley National 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. West Valley National Bank has $41.46 million in assets with $8.74 million in equity, resulting in a capitalization level of 21.07%, which is excellent.

Institution Statistics

FDIC Certificate #58426
Year Established2006
Primary RegulatorOCC
Assets and Liabilities
Assets$41.46 million
Loans$28.81 million
Deposits$33.19 million
Equity Capital$8.12 million
Loan Loss Allowance$614,000
Real Estate Owned$0
Historic Data - March 2013
Assets$42.94 million
Equity Capital$9.33 million
Loan Loss Allowance$713,000
Unbacked Noncurrent Loans$0
Real Estate Owned$1.42 million
Profit Margin - Quarterly
Return on Assets-2.13%
Return on Equity-10.69%
Interest Income$505,000

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West Valley National Bank Locations
Buckeye Branch111 E. Monroe Avenue, Suite 100Buckeye, AZ 85326
West Valley National Bank12725 West Indian School Road, Suite C-108Avondale, AZ 85323
Scottsdale Branch5635 N. Scottsdale Rd. Suite 150Scottsdale, AZ 85250