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255 East River Park Circle Suite 180
Fresno, CA 93720

Premier Valley Bank is headquartered in Fresno and is the 73rd largest bank in the state of California. It is also the 1,147th largest bank in the nation. It was established in 2001 and as of March of 2014, it had grown to 92 employees at 5 locations. Premier Valley 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 Premier Valley Bank had $8.46 million in non-current loans and owned real-estate with $72.66 million in equity and loan loss allowances on hand to cover it. This gives Premier Valley Bank a Texas Ratio of 11.65% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Premier Valley Bank decreased slightly from 15.89% as of March 31, 2013 to 11.65% as of March 31, 2014, resulting in a positive change of 26.70%.This indicates that the balance sheet and financial strength for Premier Valley Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Premier Valley Bank has increased its total deposits by $29.82 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 Premier Valley 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. Premier Valley Bank has $580.87 million in assets with $72.66 million in equity, resulting in a capitalization level of 12.51%, which is excellent.

Institution Statistics

FDIC Certificate #57098
Year Established2001
Primary RegulatorFDIC
Assets and Liabilities
Assets$580.87 million
Loans$355.77 million
Deposits$502.11 million
Equity Capital$68.12 million
Loan Loss Allowance$4.55 million
Unbacked Noncurrent Loans$8.46 million
Real Estate Owned$0
Historic Data - March 2013
Assets$549.38 million
Equity Capital$67.99 million
Loan Loss Allowance$5.46 million
Unbacked Noncurrent Loans$8.46 million
Real Estate Owned$2.55 million
Profit Margin - Quarterly
Net Interest Margin3.75%
Return on Assets1.24%
Return on Equity10.54%
Interest Income$5.05 million
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Premier Valley Bank Checking Account Rates

0.31%-$25kPremier Reward Checking - Qualifying
0.02%--Premier Reward Checking - Non Qualifying

Premier Valley Bank Locations
Groveland Branch18580 Main StreetGroveland, CA 95321
Premier Valley Bank255 East River Park Circle Suite 180Fresno, CA 93720
San Luis Obispo Branch3211 Broad StreetSan Luis Obispo, CA 93401
Oakhurst Branch40061 Highway 49Oakhurst, CA 93644
Mariposa Branch5371 Highway 49 NorthMariposa, CA 95338