Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts

Santa Clara Valley Bank, National Association

Santa Clara Valley Bank, National Association
Overview / Commentary
901 East Main Street
Santa Paula, CA 93060

Santa Clara Valley Bank, National Association is headquartered in Santa Paula and is the 180th largest bank in the state of California. It is also the 4,070th largest bank in the nation. It was established in 1998 and as of June of 2014, it had grown to 38 employees at 3 locations. Santa Clara Valley Bank, National Association has a B+ health rating.

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



Health

Data for Q2 2014

Institution Health

B+

Texas Ratio

GRADE:
A+

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 Santa Clara Valley Bank, National Association had $280,000 in non-current loans and owned real-estate with $15.12 million in equity and loan loss allowances on hand to cover it. This gives Santa Clara Valley Bank, National Association a Texas Ratio of 1.85% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Santa Clara Valley Bank, National Association decreased dramatically from 4.75% as of June 30, 2013 to 1.85% as of June 30, 2014, resulting in a positive change of 61.03%.This indicates that the balance sheet and financial strength for Santa Clara Valley Bank, National Association has improved dramatically in recent periods.

Deposit Growth

GRADE:
D

In the past year, Santa Clara Valley Bank, National Association has decreased its total deposits by -$7.22 million, resulting in -6.38% 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 Santa Clara Valley Bank, National Association has shown is below average.

Capitalization

GRADE:
A

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. Santa Clara Valley Bank, National Association has $128.35 million in assets with $15.12 million in equity, resulting in a capitalization level of 11.78%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #34806
Year Established1998
Employees38
Primary RegulatorOCC
Assets and Liabilities
Assets$128.35 million
Loans$60.75 million
Deposits$106.07 million
Equity Capital$13.96 million
Loan Loss Allowance$1.16 million
Unbacked Noncurrent Loans$280,000
Real Estate Owned$0
Historic Data - June 2013
Assets$133.76 million
Equity Capital$14.39 million
Loan Loss Allowance$1.24 million
Unbacked Noncurrent Loans$280,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-0.2%
Return on Equity-1.87%
Interest Income$2.21 million
Rates

Sorry, we do not have rate data for Santa Clara Valley Bank, National Association

Locations


Santa Clara Valley Bank, National Association Locations
Valencia Branch26328 Citrus AvenueValencia, CA 91355
Filmore Branch527 Sespe AvenueFillmore, CA 93015
Santa Clara Valley Bank, National Association901 East Main StreetSanta Paula, CA 93060