California lender Pacific Valley Bancorp reported stronger second-quarter 2026 earnings, loan and deposit growth, improved net interest margin, strong liquidity and capital levels above regulatory well-capitalized requirements.
Pacific Valley Bancorp reported unaudited second-quarter 2026 net income of $1.4 million, or $0.24 per share, up 52% from a year earlier and 21% from the prior quarter, as higher loan interest income offset higher non-interest expense. Total assets rose 14.0% year over year to $653 million, gross loans increased 9.6% to $547 million, and deposits climbed 14.2% to $560 million. Net interest margin improved to 3.82% from 3.61% a year earlier and 3.75% in the prior quarter, while non-performing loans remained low at 0.04% of gross loans. Pacific Valley Bank's Community Bank Leverage Ratio was 12.60% at June 30, 2026, above the 8.00% well-capitalized threshold, and management said staffing investments in lending and deposit gathering support its organic growth strategy even if profitability fluctuates during that expansion.