Pacific Valley Bancorp Reports Strong Third Quarter Results with Double-Digit Balance Sheet Growth and Improved Profitability Over the Prior Year
Pacific Valley Bancorp reported Q3 2026 net income of $1.4 million, or $0.24 per share, up 45.2% from the year-ago quarter as loan interest income growth outpaced rising deposit and operating costs. The balance sheet grew double digits year-over-year: total assets rose 11.9% to $667 million, gross loans rose 13.5% to $589 million, and deposits rose 11.6% to $575 million, with nine-month net income up 39.8% to $3.9 million. Credit quality remains strong with non-performing loans at just 0.04% of loans and a 12.14% Community Bank Leverage Ratio, well above the 8% well-capitalized threshold.
Key figures
- Eps
- 0.24
- Revenue
- 0
- Revenue Yoy
- 0
- Gross loans
- 588551000
- Total assets
- 667449000
- Net income 9m
- 3940000
- Net income q3
- 1379000
- Total deposits
- 575000000
- Net income yoy pct
- 45.2%
- Roaa q3 annualized
- 0.83%
- Efficiency ratio q3
- 67.96%
- Gross loans yoy pct
- 13.5%
- Book value per share
- 12.65
- Total assets yoy pct
- 11.9%
- Net income 9m yoy pct
- 39.8%
- Net interest income q3
- 6221000
- Net interest margin q3
- 3.84%
- Total deposits yoy pct
- 11.6%
- Nonperforming loans ratio
- 0.04%
- Community bank leverage ratio
- 12.14%
AI analysis
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