VALLEY STRONG
CUBAKERSFIELD, CA
Total Assets
$4.1B
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Total Loans
$2.9B
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VALLEY STRONG in CA reported a Texas ratio of 13.6% in Q2 2026, down -1.2pp from the prior quarter. Nonperforming assets totaled 1.94%, a decline of -0.15pp.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $1.2B | 41.6% | — | — |
| 1-4 family — junior lien | $535M | 18.5% | — | — |
| Multifamily | $57M | 2.0% | — | — |
| FOUNDATION Consumer Auto New — Unlock to view | ||||
| FOUNDATION Consumer Auto Used — Unlock to view | ||||
| FOUNDATION Consumer Credit Card — Unlock to view | ||||
| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.