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Overview / Commentary
125 North Third Avenue
Oakdale, CA 95361

Oak Valley Community Bank is headquartered in Oakdale and is the 68th largest bank in the state of California. It is also the 997th largest bank in the nation. It was established in 1991 and as of December of 2013, it had grown to 136 employees at 15 locations. Oak 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 Oak Valley Community Bank had $3.26 million in non-current loans and owned real-estate with $72.74 million in equity and loan loss allowances on hand to cover it. This gives Oak Valley Community Bank a Texas Ratio of 4.47% 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 Oak Valley Community Bank decreased dramatically from 8.90% as of December 31, 2012 to 4.47% as of December 31, 2013, resulting in a positive change of 49.71%.This indicates that the balance sheet and financial strength for Oak Valley Community Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Oak Valley Community Bank has increased its total deposits by $15.64 million, resulting in 2.66% 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 Oak Valley Community Bank has shown is above 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. Oak Valley Community Bank has $672.04 million in assets with $72.74 million in equity, resulting in a capitalization level of 10.82%, which is above average.

Institution Statistics

FDIC Certificate #33457
Year Established1991
Primary RegulatorFED
Assets and Liabilities
Assets$672.04 million
Loans$411.16 million
Deposits$602.84 million
Equity Capital$65.08 million
Loan Loss Allowance$7.66 million
Unbacked Noncurrent Loans$2.34 million
Real Estate Owned$916,000
Historic Data - December 2012
Assets$660.45 million
Equity Capital$69.82 million
Loan Loss Allowance$7.98 million
Unbacked Noncurrent Loans$2.34 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.07%
Return on Assets0.94%
Return on Equity9.49%
Interest Income$25.25 million

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Oak Valley Community Bank Savings Account Rates

0.05%$10k-Minor Savings
0.05%$10k-Business Savings
0.05%$500-HSA Liquidity
0.05%$10k-Old-Fashioned Savings
0.05%$500-Business HSA Liquidity
0.01%$500-HSA Checking
0.01%$500-HSA Savings
0.01%$500-Business HSA Checking
0.01%$500-Business HSA Savings

Oak Valley Community Bank Money Market Rates

0.12%$100k-Liquidity Plus
0.12%$100k-Business Liquidity Plus

Oak Valley Community Bank Checking Account Rates

0.05%--Premier Checking
0.01%$2,500-Oak Tree Checking
0.01%$250-Classic Oak Checking
0.01%$5k-Interest Business Checking

Oak Valley Community Bank CD Rates

0.50%$2,500-36 Month CD
0.35%$2,500-24 Month CD
0.20%$2,500-12 - 23 Month CD
0.12%$2,500-180 - 364 Day CD
0.07%$2,500-30 - 179 Day CD

Oak Valley Community Bank IRA Rates

0.40%$100-24 - 60 Month IRA
0.20%$100-12 - 23 Month IRA
0.12%$100-6 Month IRA

Oak Valley Community Bank has 15 locations. Click to view all Oak Valley Community Bank locations.