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Overview / Commentary
125 North Third Avenue
Oakdale, CA 95361

Oak Valley Community Bank is headquartered in Oakdale and is the 69th largest bank in the state of California. It is also the 989th largest bank in the nation. It was established in 1991 and as of March of 2014, it had grown to 142 employees at 15 locations. Oak Valley Community Bank has a A health rating.

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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 Oak Valley Community Bank had $6.16 million in non-current loans and owned real-estate with $74.24 million in equity and loan loss allowances on hand to cover it. This gives Oak Valley Community Bank a Texas Ratio of 8.30% 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 experienced no significant changes from 9.00% as of March 31, 2013 to 8.30% as of March 31, 2014, resulting in a positive change of 7.77%.This indicates that the balance sheet and financial strength for Oak Valley Community Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Oak Valley Community Bank has increased its total deposits by $36.62 million, resulting in 6.31% 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 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. Oak Valley Community Bank has $687.42 million in assets with $74.24 million in equity, resulting in a capitalization level of 10.80%, which is above average.

Institution Statistics

FDIC Certificate #33457
Year Established1991
Primary RegulatorFED
Assets and Liabilities
Assets$687.42 million
Loans$414.43 million
Deposits$617.05 million
Equity Capital$66.62 million
Loan Loss Allowance$7.62 million
Unbacked Noncurrent Loans$5.25 million
Real Estate Owned$916,000
Historic Data - March 2013
Assets$648.32 million
Equity Capital$63.79 million
Loan Loss Allowance$7.74 million
Unbacked Noncurrent Loans$5.25 million
Real Estate Owned$971,000
Profit Margin - Quarterly
Net Interest Margin3.95%
Return on Assets0.86%
Return on Equity8.87%
Interest Income$6.32 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

0.11%$100k-Liquidity Plus
0.11%$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.