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Grand Valley Bank
Heber City, UT · FDIC Certificate #24922 · Chartered 12/1
Total assets
$599.38M
Total deposits
$541.31M
Total equity
$55.19M
Net loans
$281.61M
Branches (offices)
9
Net income (YTD)
$3.53M
Rank: #1,553 of 4,213 U.S. banks by assets · #34 of 44 in Utah. Assets changed 6.2% and deposits 4.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.19% |
| Return on equity | 13.23% |
| Net interest margin (YTD) | 3.76% |
| Equity to assets | 9.21% |
| Tier 1 leverage ratio | 11.47% |
| Uninsured deposits (share of deposits) | 21.7% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 52.0% |
| Real estate loans (share of loans) | 90.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $254.27M | 90.3% | |
| Commercial & industrial | $5.67M | 2.0% | |
| Consumer / individual | $1.10M | 0.4% | |
| Construction & development | $43.80M | 15.6% | |
| Agricultural | $26.74M | 9.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $588.51M | $554.35M | $3.12M | $32.51M |
| Jun 2023 | $576.58M | $534.30M | $3.15M | $34.75M |
| Jun 2024 | $569.61M | $526.01M | $3.62M | $41.01M |
| Jun 2025 | $564.42M | $517.41M | $3.37M | $44.48M |
| Jun 2026 | $599.38M | $541.31M | $3.53M | $55.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $367.37M | 5 |
| Utah | $173.94M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $541.31M.
Similar-sized banks
The Maries County Bank ($600.50M) · North Shore Bank Of Commerce ($598.53M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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