$76.5M
+7.2%y/y
Percentile by value68th percentileby value
FDIC
ASSETWV
West Valley National Bank
Goodyear, ArizonaFDIC Cert #58426
OCCEstablished 20063 branches
Holding company: WEST VALLEY BCORP INCRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportWest Valley National Bank reported $76.5M in total assets. Deposits grew 11.34% over the prior year.
Return on assets was −2.36%, compared with an asset-peer median of 0.97%. The leverage ratio was 9.51%.
- Why is CRE Concentration to Capital above asset peers?
- Why is Total Assets above asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$69M
+11.3%y/y
Percentile by value75th percentileby value
FDIC
DEP$64.7M
+17.3%y/y
Percentile by value92nd percentileby value
FDIC
LNLSNET−2.36%
−39 bpsy/y
Peer standing5th percentile
FDIC
NETINC + ROA148.62%
+535 bpsy/y
Peer standing4th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.51%
−338 bpsy/y
Peer standing15th percentile
FDIC
RBC1AAJPercentiles compare this bank with 590 banks under $100 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $116M | $106M |
| Q3 2021 | $116M | $96.9M |
| Q4 2021 | $115M | $99.8M |
| Q1 2022 | $100M | $89.3M |
| Q2 2022 | $96.6M | $85.7M |
| Q3 2022 | $96M | $85.7M |
| Q4 2022 | $94.9M | $83.9M |
| Q1 2023 | $82M | $70.8M |
| Q2 2023 | $80.6M | $68.7M |
| Q3 2023 | $74.3M | $62.7M |
| Q4 2023 | $74.8M | $63.7M |
| Q1 2024 | $70.8M | $59.6M |
| Q2 2024 | $69.3M | $55.6M |
| Q3 2024 | $67.6M | $51.9M |
| Q4 2024 | $68.6M | $56M |
| Q1 2025 | $71.3M | $61.9M |
| Q2 2025 | $72.8M | $63.7M |
| Q3 2025 | $71.2M | $62.1M |
| Q4 2025 | $78.3M | $62.7M |
| Q1 2026 | $76.5M | $69M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $22.4M |
| Investor CRE | $18.5M |
| Multifamily | $961K |
| Construction | $130K |
| 1–4 family | $2.46M |
| C&I | $20.9M |
| Agriculture | $0 |
| Other | $80K |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−2.36%5th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE−25.33%3rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY4.87%87th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR148.62%4th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP+11.34%87th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNET+17.33%88th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ9.51%15th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.68%23rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC250%98th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 25%90th 129%Observations 281
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−2.36%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.92%Median 0.60%90th 1.39%Observations 13
ROE
FDIC
NETINC + ROE−25.33%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −8.82%Median 6.46%90th 16.09%Observations 13
NIM
FDIC
NIM + NIMY4.87%92nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.32%Median 3.68%90th 4.80%Observations 13
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR148.62%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 60.08%Median 78.38%90th 110.65%Observations 13
Deposits YoY
FDIC
DEP+11.34%45th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.12%Median +11.57%90th +51.00%Observations 12
Loans YoY
FDIC
LNLSNET+17.33%64th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.36%Median +10.08%90th +62.00%Observations 12
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 1.04%90th 2.97%Observations 12
Leverage
FDIC
RBC1AAJ9.51%33rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.31%Median 11.28%90th 17.63%Observations 13
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.68%64th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.63%Median 2.86%90th 4.03%Observations 12
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC250%71st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 58%Median 192%90th 339%Observations 8
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 3 branches
- Headquarters
- Goodyear, AZ
FDIC
OFFDOMOpen the Arizona dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data