# GOLDEN VALLEY BANK
CHICO, CA · FDIC certificate 58278 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $604.7M | |
| Deposits | $553.2M | |
| Loans and leases | $295.8M | |
| Total equity | $47.9M | |
| Loans / deposits | 52.65% (p8 of band) | 82.04% |
| Liquid assets / assets | 49.07% (p92 of band) | |
| Uninsured deposits / deposits | 32.89% (p74 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.32% (p19 of band) | 10.81% |
| Unrealized securities loss / equity | -24.57% (p17 of band) | -8.10% |
| AOCI / equity | -1.61% (p12 of band) | |
| ROA (annualized) | 0.96% (p29 of band) | 1.28% |
| Net interest margin | 3.61% (p33 of band) | 3.91% |
| Efficiency ratio | 61.40% (p50 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p71 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 86% | |
| Construction % of loans | 33.32% (p40 of band) | |
| Auto loans | $16,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 65 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 0 |  | uninsured deposits leaving |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 1 |  | uninsured deposits leaving, capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity, capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-31 [STUFF THE BUS 2026: Event details & where to donate - krcrtv.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPcEpFa3NBQVNwb0Z2ZzM3TXNhZ25rUHVxbWptMHVmUG9fM0tnOWhwbVM5Z0xaeW1sS3dEZDhPdU1Ccm9HT2Y1dHZrT3ZhT3JsQzhQOXJYOHk2OWhfbWNVQ2dqRElUT2hUeERaY29hU1dYUGpjZThFZmpaZWdwZEttSG5DaDdZcWNpaW5TYkh1YzZETE5I?oc=5) · krcrtv.com
- 2022-04-29 [Golden Valley Bancshares Reports First Quarter 2022 Results (Unaudited) - Yahoo Finance](https://news.google.com/rss/articles/CBMijAFBVV95cUxNMEtHNDlQakFyd1h1OUVIdEFDVzdPYVhRRzAwSm9jcFVxeGd6OU91QlNJZzhYYlp1TUcySjE2S1FCaWRXR0g1RkRfdWNaWGZabjN5VV9MNElTS0dWNnVhZnpXSDFMMlhOOXpYOWU3clNLMFRBN3RXUS1zVl9xbS1RTWowanZmOXpmSm9fVQ?oc=5) · Yahoo Finance
- 2019-11-05 [Chico’s Golden Valley Bank posts profits - Chico Enterprise-Record](https://news.google.com/rss/articles/CBMigAFBVV95cUxPUGdhMC0zd1NtSFVqWk40MVBncEZ3Rm9COXMzRjlLVjJ6cE04c01QU1kzN1ZWdGJDODAtVUJVUmEtdkctRnpCNlZKQWQ3Rlo5eTRZQTRKMHBvRVdlV0FpeE95WkNrRFc0aUgzSHllUjJjUTU1SnBZckdXYXdMdWMyMg?oc=5) · Chico Enterprise-Record
- 2025-04-22 [Redding's Kevin Butler joins Golden Valley Bancshare's Board of Directors - actionnewsnow.com](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNbnctM3psRWlqU1lycVBpX1BiUnRrLXBtajQ5Tl9BQVlCbHotcVZaeExCcGliZmxjaEZ1UGZYM2NPa0hoa1pyY1FWU2xKd1BVMXhjOFJ6dE5CRHFKTVRHaTNrMmNXZU1UZzAwcjZuRFRJR2NVT2poRkQ3U2lVRDdNSUtZMldwVUJXd3hqLXYtbWxiaGZ0X3gtYWxlcnFONmtWQTJkRndQMWVlUkY2V2l0U0dDbktSejlxUUlfSzE1WkFreUtLNWFIdU5qN3FzOFpEbmxNWFRDLVNQNFFNNXR4WGhnckFiNjZHZXlVVg?oc=5) · actionnewsnow.com
- 2025-09-26 [Golden Valley Bank celebrates 20 years with $100K donation to nonprofits - krcrtv.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQa2Mxcm8wS3VMbzIxOHpZWkdmR2NOeVVZWDBKUEVVbDA0UEpnN1JQVHFtTWdDc3N6SDZmdjR4ZXJod1lTbmhheVJXYld4bXJHMnQxOXhOUlNUNnA2ODR5Q3U2QV9BaWtsbTJUbTMxa29VN0M4UWdJQk5jWkRiZjFpNTFvR09iZ3pXTGEwRy0wMEdiWG51NGlodDBrTWVTN1dwZnlz?oc=5) · krcrtv.com
- 2026-07-03 [Are Northern California banks, post offices DMV open July 3 - Record Searchlight](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOTDZYR1RqOW5xRFJxaTZzSlV0T2hXYTFiUkpLVmtONEhpOE1RSXJWTXRwd210TlpaXzQtTzhKWWxHaDBvTlZyLWNDeHc3UXJsVUJRSXV6NGxnaTNXYWhSSmtnbGpsb3pHbG1POWNsN1JZM3BobFJYYmdxSnd1a0c1d3BtZGFQdkdrNjU0c0g1UmRKRmM1bmdJNmpEamUtcUJTMFBvRlg3QnpfYmRLWHVYTEpBS1J4eXlNODZvYXY4bmMwdw?oc=5) · Record Searchlight
- 2024-04-16 [Stuff the Bus: Here's where you can drop off your donations before the big day - krcrtv.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxQb1dRRDRERTIzOG02dDVVb25qeURjbWpaUC1IN1p2RHlpbTdBSGNnR3RUQk52cl83eHZNOEFWR09iYWVQeXNKeDFScEtodm1HUHFBUTdaLWhsSlJNMWNTVlRUcVBXcXc3ZHUxbjNleW1VME5DZW1nN3BjWUtfVUUzNXJ2LWlEYXRGV2VjQW9BN1FTelpDSzlJenY2dVE3d0xNN3NfaEloWk9JOGJ3eXlnSmlVT2J4YkNWRHc?oc=5) · krcrtv.com
- 1985-03-25 [Failed bank to reopen after whirlwind takeover - upi.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPRnYxeS00b0lialFiNHZYMy1USlh0M09wYVFHLVgxWU5HdGU5SjBwbWt5U0ItVUFOTjBLTFViUE5Uc2J4SHB3cUt6WW1iZ1VDbDJaa1ZyaV9jZV9kd1Jwall4aGFQdC1TaG5vX3VuVUVKcVVSZFlzOTRZbVVEMFd6SFdXZUlGV2x1WDVJUjVvbExOV3lMdzRJSXdaUnFNUjBRNFVV0gGoAUFVX3lxTE1DaHRqbWg0WEZZZkFHbENZNC1LTm1jM25jSU02Smt4eklTdWhmZGEwandtdGVUVFVta0xrU3hvYzJ4TktJa3lVM0Q4cmhmNlZWbWVzYk1GV0RBc1BZQWN5eUtKTVA0bjJGTTN1bWNNYXVqd3pWNjNfTFBmakx2TDMtM0ppMkJZUVRsRHJrTGxQZ2s3YW5SUlVkMDgxX3ZkeFltOEZPZXFpag?oc=5) · upi.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58278 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "58278", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide