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7100 N. Financial Drive
Fresno, CA 93720

Central Valley Community Bank is headquartered in Fresno and is the 49th largest bank in the state of California. It is also the 580th largest bank in the nation. It was established in 1980 and as of December of 2013, it had grown to 269 employees at 22 locations. Central Valley Community Bank has a A+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Central Valley Community Bank had $7.56 million in non-current loans and owned real-estate with $133.43 million in equity and loan loss allowances on hand to cover it. This gives Central Valley Community Bank a Texas Ratio of 5.67% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Central Valley Community Bank decreased slightly from 7.31% as of December 31, 2012 to 5.67% as of December 31, 2013, resulting in a positive change of 22.41%.This indicates that the balance sheet and financial strength for Central Valley Community Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Central Valley Community Bank has increased its total deposits by $250.29 million, resulting in 33.18% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Central Valley Community Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Central Valley Community Bank has $1.14 billion in assets with $133.43 million in equity, resulting in a capitalization level of 11.65%, which is excellent.

Institution Statistics

FDIC Certificate #23030
Year Established1980
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.14 billion
Loans$503.15 million
Deposits$1.00 billion
Equity Capital$124.22 million
Loan Loss Allowance$9.21 million
Unbacked Noncurrent Loans$7.38 million
Real Estate Owned$190,000
Historic Data - December 2012
Assets$889.50 million
Equity Capital$119.66 million
Loan Loss Allowance$10.13 million
Unbacked Noncurrent Loans$7.38 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.82%
Return on Assets0.88%
Return on Equity7.07%
Interest Income$35.02 million

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Central Valley Community Bank has 17 locations. Click to view all Central Valley Community Bank locations.