Bank · FDIC insured
Grand Valley Bank
A $599.4M bank headquartered in Heber City, UT, with 9 branches in 2 states. Best rates: savings 0.55% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—3.30%Needs another account or monthly activityCD rates →
- Savings811.85%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Grand Valley Bank
Founded in 1983 in Grand Junction, Colorado, Grand Valley Bank is a locally and employee-owned bank.
The bank operates nine full-service branches spanning Colorado and Utah.
- Headquarters
- 191 E Gateway Dr, Heber City, UT 84032
- FDIC certificate
- 24922 ↗
Branches
9 branches in 2 states
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Colorado
5 branches
- Colbran Branch106 Main St, Collbran, CO 81624Directions
- Fruita Branch452 S Maple St, Fruita, CO 81521Directions
- 25 Road Branch570 25 Rd, Grand Junction, CO 81505Directions
- 925 N. 7th Street Branch925 N 7th St, Grand Junction, CO 81501Directions
- Palisade Branch600 W Eighth St, Palisade, CO 81526Directions
Utah
4 branches
Heber area · 3
- Grand Valley BankMain office191 E Gateway Dr, Heber City, UT 84032Directions
- Midway Branch92 W Main St, Midway, UT 84049Directions
- Park City Branch1225 Deer Valley Dr, Park City, UT 84060Directions
Vernal area · 1
- Vernal Branch121 W Main St, Vernal, UT 84078Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.47% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.02% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.19% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $53 | $81 | — |
- CapitalLeverage ratio11.47%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.02%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.19%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$53Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Grand Valley Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.