Total Assets
$586M
Total balance-sheet footings
FDIC Cert #24922 · Heber City, Utah · Est. 1983
Grand Valley Bank - FDIC Bank Health Profile
A community-scale look at Grand Valley Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $586M
- Total assets
- A
- Health grade · Excellent
- 1.23%
- Return on assets
- 11.2%
- Tier 1 capital
Data updated July 2026
The verdict
Grand Valley Bank earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.20% Tier 1, profitable at 1.23% ROA, efficient (59% cost ratio).
- #1,601
- largest of 4,313 FDIC banks by assets
- 63rd
- percentile by asset size, nationally
- 11.20%
- Tier 1 ratio - above the 10% well-capitalized line
- 59th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Grand Valley Bank's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Grand Valley Bank's composite health score
Tier 1 Capital Ratio (11.20%) 28/40
Return on Assets (ROA) (1.23%) 20/25
Texas Ratio (0.08%) 20/20
Efficiency Ratio (59.06%) 12/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$531M
Customer-funded liabilities
Net Loans
$282M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Grand Valley Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Grand Valley Bank's score of 80/100 falls in the highlighted band.
Grand Valley Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Grand Valley Bank's $586M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.20% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.20%
Texas Ratio
0.08%
Equity Capital
$53M
Profitability metrics
Return on Assets (ROA)
59th percentile nationally
1.23%
Return on Equity (ROE)
15.12%
Efficiency Ratio
59.06%
What the numbers say about Grand Valley Bank
Grand Valley Bank is an FDIC-insured institution (Certificate #24922) headquartered in Heber City, Utah, established in 1983. It holds $586M in total assets - 1,601st of 4,313 FDIC-insured banks, $531M in customer deposits, and $282M in net loans. On safety, its Tier 1 capital ratio of 11.20% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.08% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (80/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Utah, Grand Valley Bank ranks 33rd of 42 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$29M
Interest Income
$2M
Non-Interest Income
$13M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Grand Valley Bank reports a Texas Ratio of 0.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Utah by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Grand Valley Bank (FDIC Cert #24922) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Utah
All Utah banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Morgan Stanley Bank, National AssociationSalt Lake City | $253.3B | A | 1.86% |
| American Express National BankSandy | $211.3B | A | 3.89% |
| Ally BankSandy | $184.6B | A | 0.91% |
| UBS Bank USASalt Lake City | $119.3B | A | 1.13% |
| Synchrony BankDraper | $112.1B | A | 2.89% |
| Zions Bancorporation, N.A.Salt Lake City | $89.0B | B | 1.01% |
| SoFi Bank, National AssociationCottonwood Heights | $46.6B | A | 1.96% |
| Sallie Mae BankSalt Lake City | $29.7B | A | 2.90% |
Frequently asked questions
What is Grand Valley Bank's health grade?▼
Grand Valley Bank receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Grand Valley Bank?▼
Grand Valley Bank holds $586M in total assets and $531M in deposits, ranking 1,601st of 4,313 FDIC-insured banks by asset size. It is headquartered in Heber City, Utah.
Is my money safe at Grand Valley Bank?▼
Yes, deposits at Grand Valley Bank (Certificate #24922) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Grand Valley Bank's Tier 1 Capital Ratio?▼
Grand Valley Bank has a Tier 1 Capital Ratio of 11.20%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Grand Valley Bank?▼
Grand Valley Bank has a Texas Ratio of 0.08%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Grand Valley Bank?▼
Grand Valley Bank has an Efficiency Ratio of 59.06%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Grand Valley Bank's profile as a depositor or analyst.
- Grand Valley Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Grand Valley Bank against other Utah banks before moving funds. Utah banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.