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515 South Broadway
Yreka, CA 96097

Scott Valley Bank is headquartered in Yreka and is the 79th largest bank in the state of California. It is also the 1,222nd largest bank in the nation. It was established in 1912 and as of March of 2014, it had grown to 97 employees at 12 locations. Scott Valley Bank has a B+ 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 Scott Valley Bank had $13.97 million in non-current loans and owned real-estate with $63.9 million in equity and loan loss allowances on hand to cover it. This gives Scott Valley Bank a Texas Ratio of 21.86% 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 Scott Valley Bank experienced no significant changes from 21.97% as of March 31, 2013 to 21.86% as of March 31, 2014, resulting in a positive change of 0.54%.This indicates that the balance sheet and financial strength for Scott Valley Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Scott Valley Bank has increased its total deposits by $14.44 million, resulting in 3.07% 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 Scott 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. Scott Valley Bank has $551.67 million in assets with $63.9 million in equity, resulting in a capitalization level of 11.58%, which is excellent.

Institution Statistics

FDIC Certificate #10781
Year Established1912
Primary RegulatorFDIC
Assets and Liabilities
Assets$551.67 million
Loans$300.37 million
Deposits$483.92 million
Equity Capital$59.12 million
Loan Loss Allowance$4.78 million
Unbacked Noncurrent Loans$6.32 million
Real Estate Owned$7.65 million
Historic Data - March 2013
Assets$534.81 million
Equity Capital$58.18 million
Loan Loss Allowance$5.27 million
Unbacked Noncurrent Loans$6.32 million
Real Estate Owned$8.59 million
Profit Margin - Quarterly
Net Interest Margin3.57%
Return on Assets0.58%
Return on Equity5.49%
Interest Income$4.80 million

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Scott Valley Bank Savings Account Rates

0.07%$100k-Tiered Statement Savings
0.02%$100-Statement Savings

Scott Valley Bank Money Market Rates

0.10%$100k-Personal Money Market
0.10%$1m-Business Money Market
0.10%$250k-Business Guardian Money Market

Scott Valley Bank Checking Account Rates

0.10%$250k-Business Analyzed Interest Checking
0.04%$100k-Interest Checking

Scott Valley Bank CD Rates

0.25%$25k-2 Year Traditional CD
0.25%$25k-3 Year Traditional CD
0.25%$25k-4 Year Traditional CD
0.25%$25k-5 Year Traditional CD
0.25%$25k-Business 2 Year Traditional CD
0.25%$25k-Business 3 Year Traditional CD
0.25%$25k-Business 4 Year Traditional CD
0.25%$25k-Business 5 Year Traditional CD
0.20%$25k-1 Year Traditional CD
0.20%$10k-1 1/2 Year Traditional CD
0.20%$25k-Business 1 Year Traditional CD
0.20%$10k-Business 1 1/2 Year Traditional CD
0.15%$25k-180-364 Day Traditional CD
0.15%$25k-1 Year Optimizer CD
0.15%$10k-1 1/2 Year Optimizer CD
0.15%$25k-Business 180-364 Day Traditional CD
0.15%$25k-Business 1 Year Optimizer CD
0.15%$10k-Business 1 1/2 Year Optimizer CD
0.10%$100k-90-179 Day Traditional CD
0.10%$25k-180-364 Day Optimizer CD
0.10%$100k-Business 90-179 Day Traditional CD
0.10%$25k-Business 180-364 Day Optimizer CD
0.05%$10k-30-89 Day Traditional CD
0.05%$10k-Business 30-89 Day Traditional CD

Scott Valley Bank IRA Rates

0.25%$25k-2 Year Traditional IRA
0.25%$25k-3 Year Traditional IRA
0.25%$25k-4 Year Traditional IRA
0.25%$25k-5 Year Traditional IRA
0.20%$25k-1 Year Traditional IRA
0.20%$10k-1 1/2 Year Traditional IRA
0.15%$25k-180-364 Day Traditional IRA
0.10%$100k-90-179 Day Traditional IRA
0.05%$10k-30-89 Day Traditional IRA

Scott Valley Bank has 12 locations. Click to view all Scott Valley Bank locations.