Golden Valley Bancshares, Inc. (GVYB)

Golden Valley Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	16.7	15.45	13.55	12.5	11.68	12.8
Interest Income on Investments	10.51	10.51	7.98	6.93	4.93	2.64
Total Interest Income	27.21	25.96	21.53	19.43	16.61	15.44
Interest Paid on Deposits	7.18	7.46	6.49	4.13	0.51	0.46
Interest Paid on Borrowings	0.3	0.3	0.3	0.3	0.24	0.01
Total Interest Expense	7.48	7.77	6.79	4.43	0.75	0.47
Net Interest Income	19.73	18.19	14.74	15	15.86	14.97
Net Interest Income Growth	21.26%	23.40%	-1.70%	-5.43%	5.94%	9.52%
Gain (Loss) on Sale of Investments	-	-	-	-	-0.62	-
Other Non-Interest Income	1.12	1.11	1.1	0.97	1.04	1.4
Total Non-Interest Income	1.22	1.21	1.1	0.97	0.41	1.4
Non-Interest Income Growth	13.13%	9.17%	13.23%	135.28%	-70.34%	-24.56%
Revenues Before Loan Losses	20.95	19.4	15.85	15.97	16.27	16.37
Provision for Loan Losses	0.83	0.57	0	0.01	-0.62	0.58
Revenue	20.12	18.83	15.84	15.96	16.9	15.78
Revenue Growth	16.01%	18.85%	-0.76%	-5.51%	7.04%	13.25%
Salaries and Employee Benefits	7.37	7.37	6.54	6.18	6.1	4.8
Occupancy Expenses	0.57	0.57	0.59	0.49	0.49	0.53
Selling, General & Administrative	0.74	0.74	0.59	0.73	0.73	0.59
Other Non-Interest Expense	4.41	3.65	3.66	3.29	3.1	2.52
Total Non-Interest Expense	13.09	12.34	11.38	10.68	10.42	8.45
EBT Excluding Unusual Items	7.03	6.49	4.46	5.29	6.47	7.33
Pretax Income	7.03	6.49	4.46	5.29	6.47	7.33
Income Tax Expense	1.88	1.88	1.22	1.54	1.89	2.18
Net Income	5.15	4.62	3.24	3.75	4.58	5.16
Net Income to Common	5.15	4.62	3.24	3.75	4.58	5.16
Net Income Growth	36.37%	42.27%	-13.49%	-18.11%	-11.23%	26.05%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change	0.19%	-0.42%	0.71%	-1.37%	0.07%	0.69%
EPS (Basic)	2.32	2.08	1.45	1.68	2.04	2.30
EPS (Diluted)	2.26	2.03	1.42	1.66	1.99	2.25
EPS Growth	36.17%	42.96%	-14.46%	-16.58%	-11.56%	25.00%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	-	-	0.400	-	-	-
Dividend Growth	-	-	-	-	-	-
Effective Tax Rate	26.70%	28.90%	27.33%	29.04%	29.26%	29.65%

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jul 29, 2026

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