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Overview / Commentary
1710 Prairie City Road
Folsom, CA 95630

Sierra Vista Bank is headquartered in Folsom and is the 194th largest bank in the state of California. It is also the 4,612st largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 22 employees at 2 locations. Sierra Vista 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 Sierra Vista Bank had $1.11 million in non-current loans and owned real-estate with $17.22 million in equity and loan loss allowances on hand to cover it. This gives Sierra Vista Bank a Texas Ratio of 6.45% 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 Sierra Vista Bank decreased dramatically from 33.31% as of March 31, 2013 to 6.45% as of March 31, 2014, resulting in a positive change of 80.63%.This indicates that the balance sheet and financial strength for Sierra Vista Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Sierra Vista Bank has increased its total deposits by $12.47 million, resulting in 16.81% 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 Sierra Vista 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. Sierra Vista Bank has $104.76 million in assets with $17.22 million in equity, resulting in a capitalization level of 16.43%, which is excellent.

Institution Statistics

FDIC Certificate #58438
Year Established2007
Primary RegulatorFDIC
Assets and Liabilities
Assets$104.76 million
Loans$74.59 million
Deposits$86.63 million
Equity Capital$15.76 million
Loan Loss Allowance$1.46 million
Unbacked Noncurrent Loans$1.11 million
Real Estate Owned$0
Historic Data - March 2013
Assets$85.48 million
Equity Capital$9.95 million
Loan Loss Allowance$1.49 million
Unbacked Noncurrent Loans$1.11 million
Real Estate Owned$1.57 million
Profit Margin - Quarterly
Net Interest Margin4.94%
Return on Assets0.68%
Return on Equity4.51%
Interest Income$1.25 million

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Sierra Vista Bank Locations
Sierra Vista Bank1710 Prairie City RoadFolsom, CA 95630
Cameron Park Branch3311 Coach Lane, Suite ACameron Park, CA 95682