Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
1443 Main Street
El Centro, CA 92244

Community Valley Bank is headquartered in El Centro and is the 193rd largest bank in the state of California. It is also the 4,544th largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 25 employees at 2 locations. Community Valley Bank has a B+ health rating.

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community Valley Bank had $1.46 million in non-current loans and owned real-estate with $13.96 million in equity and loan loss allowances on hand to cover it. This gives Community Valley Bank a Texas Ratio of 10.48% 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 Community Valley Bank experienced no significant changes from 10.68% as of March 31, 2013 to 10.48% as of March 31, 2014, resulting in a positive change of 1.86%.This indicates that the balance sheet and financial strength for Community Valley Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Community Valley Bank has decreased its total deposits by -$1.05 million, resulting in -1.18% 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 Community Valley Bank has shown is average.



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. Community Valley Bank has $107.6 million in assets with $13.96 million in equity, resulting in a capitalization level of 12.98%, which is excellent.

Institution Statistics

FDIC Certificate #58500
Year Established2007
Primary RegulatorFDIC
Assets and Liabilities
Assets$107.60 million
Loans$76.15 million
Deposits$87.89 million
Equity Capital$12.75 million
Loan Loss Allowance$1.21 million
Unbacked Noncurrent Loans$1.34 million
Real Estate Owned$125,000
Historic Data - March 2013
Assets$107.32 million
Equity Capital$11.36 million
Loan Loss Allowance$1.46 million
Unbacked Noncurrent Loans$1.34 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.74%
Return on Assets1.39%
Return on Equity12.46%
Interest Income$1.31 million

Sorry, we do not have rate data for Community Valley Bank


Community Valley Bank Locations
Community Valley Bank1443 Main StreetEl Centro, CA 92243
Brawley Branch310 Main StreetBrawley, CA 92227