CA lenders / Community Bank
Golden Valley Bank
Community Bank · Chico, CA · Golden Valley Bancshares Inc
- Total assets
- $577.7M
- CRE loan book
- $194.0M
- QoQ CRE growth
- 2.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.04% as of Q1 2026 — TX bank median 4.87% (1.17pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.04% | 6.12% |
| Q4 2025 | 5.97% | 6.07% |
| Q3 2025 | 6.01% | 6.15% |
| Q2 2025 | 6.02% | 6.19% |
| Q1 2025 | 5.58% | 5.74% |
| Q4 2024 | 5.68% | 5.84% |
| Q3 2024 | 5.56% | 5.84% |
| Q2 2024 | 5.32% | 5.51% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $194.0M | $15.4M | $50.9M | 212% | $0 |
| Q4 2025 | $190.3M | $13.6M | $45.2M | 217% | $0 |
| Q3 2025 | $182.0M | $10.9M | $39.2M | 210% | $0 |
| Q2 2025 | $173.1M | $8.6M | $39.5M | 202% | $0 |
| Q1 2025 | $161.0M | $3.7M | $39.8M | 171% | $0 |
| Q4 2024 | $160.6M | $3.4M | $40.1M | 172% | $0 |
| Q3 2024 | $158.5M | $2.4M | $41.9M | 168% | $0 |
| Q2 2024 | $157.1M | $2.6M | $41.9M | 171% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- FNBC Bank & TrustCommunity Bank · La Grange · $193.9M CRE book
- Highpoint Community BankCommunity Bank · Hastings · $193.6M CRE book
- First Bank, Upper MichiganCommunity Bank · Gladstone · $193.0M CRE book
- The Killbuck Savings Bank CompanyCommunity Bank · Killbuck · $193.0M CRE book
- First Lockhart BankCommunity Bank · Lockhart · $192.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.