Golden Valley Bank

Headquarters

190 Cohasset Road, Suite 170
Chico, CA 95926
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.03% 1.60% →
1-Year CD 0.75% 1.55% →
2-Year CD 0.40% 1.45% →
5-Year CD N.A. 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Golden Valley Bank is an FDIC insured institution located in Chico, CA. It was founded in 2006 and has approximately $0.36 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58278
Date Established 2006
Assets $ 356.98 million
Loans $ 181.41 million
Deposits $ 294.85 million
Capital $ 28.91 million
 

For a more detailed analysis of Golden Valley Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - May 30, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.03% $2,500 $9,999 Learn More
Money Market
0.04% $2,500 $9,999 Learn More
Money Market
0.05% $10,000 $24,999 Learn More
Money Market
0.07% $25,000 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.08% $10,000 $24,999 Learn More
3 Mo CD
0.13% $100,000 - Learn More
6 Mo CD
0.13% $10,000 $24,999 Learn More
6 Mo CD
0.13% $100,000 - Learn More
12 Mo CD
0.18% $10,000 $24,999 Learn More
12 Mo CD
0.75% $100,000 - Learn More
18 Mo CD
0.18% $10,000 $24,999 Learn More
18 Mo CD
0.75% $100,000 - Learn More
24 Mo CD
0.25% $10,000 $24,999 Learn More
24 Mo CD
0.40% $100,000 - Learn More
30 Mo CD
0.25% $10,000 $24,999 Learn More
30 Mo CD
0.40% $100,000 - Learn More
36 Mo CD
0.45% $10,000 $24,999 Learn More
36 Mo CD
0.55% $100,000 - Learn More
48 Mo CD
0.60% $10,000 $24,999 Learn More
48 Mo CD
0.70% $100,000 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.18% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.10% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $1 - Learn MoreShow Less

Loan Rates - May 30, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Golden Valley Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.952% 2.875% 1.00 $2,485 $1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More

Note to Golden Valley Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Golden Valley Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Golden Valley Bank Locations


Financial Details

Golden Valley Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Golden Valley Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Golden Valley Bank U.S. Bank Average
0.28% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Golden Valley Bank had $87,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $28,907,000 in equity and $2,302,000 in loans loss reserves. That gives it a Texas Ratio of 0.28%.

Return on Equity
Golden Valley Bank U.S. Bank Average
14.68% 9.41%

Golden Valley Bank has a Return on Equity of 14.68% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Golden Valley Bank U.S. Bank Average
8.1% 12.82%

Golden Valley Bank has a Capitalization of 8.1% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Golden Valley Bank Balance Sheet Analysis

As of December 31, 2019, Golden Valley Bank had assets of $356,977,000, loans of $181,410,000, and deposits of $294,851,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 36.51 million
Interest-bearing balances $ 27.50 million
Total securities $ 131.54 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 181.41 million
Loan loss allowance $ 2.30 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 4.44 million
     Total Assets $ 328.07 million
LIABILITIES
Total deposits $ 294.85 million
      Interest-bearing deposits $ 199.39 million
      Deposits held in domestic offices $ 294.85 million
      % insured (estimated) 63.42%
Federal funds purchased and repurchase agreements $ 3.10 million
Trading liabilities N.A.
Other borrowed funds $ 29.33 million
Subordinated debt N.A.
All other liabilities $ 0.79 million
      Total Liabilities $ 328.07 million
      Shareholders’ Equity $ 28.91 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 12.69 million
Total Interest Expense $ 1.62 million
Net interest income $ 11.07 million
Provision for loan and lease losses $ 0.28 million
Total non interest income $ 0.64 million
Total non interest expense $ 7.24 million
Pre-tax Net Operating Income $ 4.19 million

Bank Loan Profile?

The top three loan types in Golden Valley Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks, Golden Valley Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 18.02
Multifamily
Mortgages
11.30
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 18.08
Construction and Development Loans 8.88
Commercial Real Estate 49.01
Commercial and Industrial Loans 11.13
Farm Loans 0.00

Frequently Asked Questions About Golden Valley Bank

Branches and Savings

Is Golden Valley Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58278.

Why does Golden Valley Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Golden Valley Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Golden Valley Bank a commercial bank?

Yes

Where are Golden Valley Bank locations?

See branch locations nearby.

Is Golden Valley Bank open on Saturdays?

Is Golden Valley Bank open on Sundays?

What time does Golden Valley Bank open?

What time does Golden Valley Bank close?

Are Golden Valley Bank ATMs Open 24/7?

Do Golden Valley Bank ATMs accept cash deposits?

Can Golden Valley Bank customers use other ATMs?

Do Golden Valley Bank branches have notaries?

Will Golden Valley Bank notarize my document?

What address for Golden Valley Bank should I put for incoming ACH transfers?

Will the Golden Valley Bank branch print checks?

Do Golden Valley Bank checks expire?

Does Golden Valley Bank require US citizenship to open account?

Can Golden Valley Bank close my account?

Does Golden Valley Bank Report to credit bureaus?

Does Golden Valley Bank Use Equifax?

What is Golden Valley Bank's ACH Routing Number?

What is Golden Valley Bank's SWIFT code?

Products

Does Golden Valley Bank offer mortgages?

Compare mortgage rates here.

Does Golden Valley Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Golden Valley Bank offer personal loans?

Compare personal loan rates here.

Does Golden Valley Bank offer student loans?

Will Golden Valley Bank cash a check?

Will Golden Valley Bank redeem a savings bond?

Does Golden Valley Bank cash savings bonds?

Will Golden Valley Bank cash money orders?

Can Golden Valley Bank issue a money order?

Does Golden Valley Bank do currency exchange?

Background on The Bank

Who owns Golden Valley Bank?

How long has Golden Valley Bank been around?

Can Golden Valley Bank transfer to other banks?

Does Golden Valley Bank have quick pay?

Does Golden Valley Bank accept rolled coins?

Will Golden Valley Bank accept loose change?

Where is Golden Valley Bank headquarters?

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