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Overview / Commentary
402 West Ojai Avenue
Ojai, CA 93023

Ojai Community Bank is headquartered in Ojai and is the 166th largest bank in the state of California. It is also the 3,635th largest bank in the nation. It was established in 2005 and as of June of 2014, it had grown to 32 employees at 3 locations. Ojai Community Bank has a A health rating.

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Data for Q2 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 June 30, 2014 Ojai Community Bank had $1.67 million in non-current loans and owned real-estate with $17.36 million in equity and loan loss allowances on hand to cover it. This gives Ojai Community Bank a Texas Ratio of 9.64% 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 Ojai Community Bank decreased slightly from 11.07% as of June 30, 2013 to 9.64% as of June 30, 2014, resulting in a positive change of 12.95%.This indicates that the balance sheet and financial strength for Ojai Community Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Ojai Community Bank has increased its total deposits by $6.55 million, resulting in 5.03% 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 Ojai 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. Ojai Community Bank has $154.2 million in assets with $17.36 million in equity, resulting in a capitalization level of 11.26%, which is excellent.

Institution Statistics

FDIC Certificate #57850
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$154.20 million
Loans$107.66 million
Deposits$136.88 million
Equity Capital$16.00 million
Loan Loss Allowance$1.36 million
Unbacked Noncurrent Loans$1.67 million
Real Estate Owned$0
Historic Data - June 2013
Assets$146.37 million
Equity Capital$15.59 million
Loan Loss Allowance$1.36 million
Unbacked Noncurrent Loans$1.67 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.42%
Return on Equity3.93%
Interest Income$2.73 million

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Ojai Community Bank Locations
Ventura Branch3130 Telegraph RoadVentura, CA 93003
Ojai Community Bank402 West Ojai AvenueOjai, CA 93023
Santa Paula Branch537 W Harvard BlvdSanta Paula, CA 93060