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Overview / Commentary
530-842-6141
515 South Broadway
Yreka, CA 96097

Scott Valley Bank is headquartered in Yreka and is the 75th largest bank in the state of California. It is also the 1,160th largest bank in the nation. It was established in 1912 and as of December of 2013, it had grown to 101 employees at 12 locations. Scott Valley Bank has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Scott Valley Bank had $14.23 million in non-current loans and owned real-estate with $63.82 million in equity and loan loss allowances on hand to cover it. This gives Scott Valley Bank a Texas Ratio of 22.30% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Scott Valley Bank experienced no significant changes from 20.81% as of December 31, 2012 to 22.30% as of December 31, 2013, resulting in a negative change of 7.16%. This indicates that the balance sheet and financial strength for Scott Valley Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Scott Valley Bank has increased its total deposits by $26.54 million, resulting in 5.6% 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.

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. Scott Valley Bank has $568.86 million in assets with $63.82 million in equity, resulting in a capitalization level of 11.22%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #10781
Year Established1912
Employees101
Primary RegulatorFDIC
Assets and Liabilities
Assets$568.86 million
Loans$304.24 million
Deposits$500.81 million
Equity Capital$59.13 million
Loan Loss Allowance$4.69 million
Unbacked Noncurrent Loans$6.34 million
Real Estate Owned$7.90 million
Historic Data - December 2012
Assets$539.73 million
Equity Capital$58.91 million
Loan Loss Allowance$5.26 million
Unbacked Noncurrent Loans$6.34 million
Real Estate Owned$8.57 million
Profit Margin - Quarterly
Net Interest Margin3.59%
Return on Assets0.59%
Return on Equity5.53%
Interest Income$19.08 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Scott Valley Bank, we are a rate comparison website and can not provide official rates or promotions.

Scott Valley Bank Savings Account Rates

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

Scott Valley Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
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

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

Scott Valley Bank CD Rates

DetailsAPYMINMAXPRODUCT
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

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

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