Who We Are

Golden Valley Bancshares, Inc. [OTC: GVYB] is the holding company for Golden Valley Bank, a Northern California community bank headquartered in Chico. We provide relationship-based banking services to businesses and individuals across our markets from our offices in Chico, Redding and Oroville.

Why Consider a Community Bank Investment?

Community bank stock ownership is typically long-term in nature and focuses on:

• Stability and consistency over short-term price movements
• Sustainable earnings and capital strength
• Long-term book value growth
• Supporting a locally owned headquartered financial institution

Our Investment Philosophy

We believe shareholder value is created through:

• Conservative credit standards
• Disciplined, relationship-driven growth
• Strong capital and liquidity
• Experienced local leadership
• Long-term strategic planning

Community Impact

Most of our shareholders are also customers who value local decision making and community commitment. Shareholder capital allows Golden Valley Bank to:

• Support local businesses
• Provide lending decisions made locally
• Invest in community development and nonprofit organizations
• Remain a strong, independent Northern California bank

Returns & Expectations

• Community bank investments are generally long-term
• Dividends may be paid based on earnings, capital needs, and Board approval
• Share liquidity may be limited; however, value is typically realized through long-term ownership, dividends, and sustained tangible book value growth.
• Value is often reflected over time rather than daily price changes

Governance & Oversight

• Active and experienced Board of Directors
• Strong regulatory oversight
• Conservative risk management culture
• Transparent shareholder communication

Important Note: We encourage prospective investors to consult their financial and tax advisors. This overview is for informational purposes only and does not constitute an offer to sell securities.

Forward-Looking Statement: Statements concerning future performance, developments or events, expectations for growth and income forecasts, and any other guidance on future periods constitute forward-looking statements that are subject to a number of risks and uncertainties. Actual results are pre-fiscal year-end audit and may differ materially from stated expectations. Specific factors include, but are not limited to, loan production, balance sheet management, expanded net interest margin, the ability to control costs and expenses, interest rate changes, technological factors (including external fraud and cybersecurity threats), natural disasters, pandemics such as COVID-19 and financial policies of the Unite States government and general economic conditions. Golden Valley Bancshares disclaims any obligation to update any such factors.