Average User Rating:
4.5 star rating based on 2 reviews.

South Valley Bank & Trust

5215 South Sixth Street
Klamath Falls, OR 97601
800.705.7872
www.southvalleybank.com

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South Valley Bank & Trust is headquartered in Klamath Falls and is the 7^th largest bank in the state of Oregon. It is also the 775^th largest bank in the nation. It was established in 1977 and as of March of 2012, it had grown to 259 employees at 26 locations. South Valley Bank & Trust has a 3-star health rating.

South Valley Bank & Trust Routing Number: 123205973

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See Rates for: Checking | Savings | Money Market | CD | IRA

South Valley Bank & Trust Checking Account Rates

Apy	Min	Max	Product
0.25%	$250k	-	Business Investment Checking
0.25%	$250k	-	Business Sweep Checking
0.25%	$250k	-	Business Checking
0.10%	-	-	Preferred Employee Program (PEP)
0.05%	-	-	Banking for Life
0.05%	-	-	Personal Advantage
0.05%	-	-	Business Advantage Checking
0.05%	-	-	Businiess Prestige Checking

South Valley Bank & Trust Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Savings with a Purpose
0.10%	-	-	South Valley Savings

South Valley Bank & Trust Money Market Rates

Apy	Min	Max	Product
0.25%	$100k	-	Premium Money Market
0.25%	$100k	-	Banking for Life Premium Money Market
0.25%	$100k	-	Golden Trail Premium Money Market
0.20%	$100k	-	Money Market Account
0.20%	$100k	-	Banking for Life Money Market Account
0.20%	$100k	-	Golden Trail Money Market Account

South Valley Bank & Trust CD Rates

Apy	Min	Max	Product
1.16%	$25k	-	5 Year Banking for Life CD
1.16%	$25k	-	5 Year Golden Trail CD
0.90%	$25k	-	5 Year CD
0.85%	$25k	-	3 Year Banking for Life CD
0.85%	$25k	-	3 Year Golden Trail CD
0.60%	$25k	-	3 Year CD
0.60%	$25k	-	2 Year Banking for Life CD
0.60%	$25k	-	2 Year Golden Trail CD
0.50%	$25k	-	18 Month Banking for Life CD
0.50%	$25k	-	18 Month Golden Trail CD
0.45%	$25k	-	365 Day Banking for Life CD
0.45%	$25k	-	365 Day Golden Trail CD
0.40%	$25k	-	180-364 Day Banking for Life CD
0.40%	$25k	-	180-364 Day Golden Trail CD
0.35%	$25k	-	2 Year CD
0.35%	$25k	-	32-89 Day Banking for Life CD
0.35%	$25k	-	90-179 Day Banking for Life CD
0.35%	$25k	-	32-89 Day Golden Trail CD
0.35%	$25k	-	90-179 Day Golden Trail CD
0.25%	$25k	-	18 Month CD
0.20%	$25k	-	365 Day CD
0.15%	$25k	-	180-364 Day CD
0.10%	$25k	-	32-89 Day CD
0.10%	$25k	-	90-179 Day CD

South Valley Bank & Trust IRA Rates

Apy	Min	Max	Product
1.16%	$25k	-	5 Year Banking for Life IRA
1.16%	$25k	-	5 Year Golden Trail IRA
0.90%	$25k	-	5 Year IRA
0.85%	$25k	-	3 Year Banking for Life IRA
0.85%	$25k	-	3 Year Golden Trail IRA
0.60%	$25k	-	2 Year Banking for Life IRA
0.60%	$25k	-	2 Year Golden Trail IRA
0.60%	$25k	-	3 Year IRA
0.50%	$25k	-	18 Month Banking for Life IRA
0.50%	$25k	-	18 Month Golden Trail IRA
0.45%	$25k	-	365 Day Banking for Life IRA
0.45%	$25k	-	365 Day Golden Trail IRA
0.40%	$25k	-	180-364 Day Banking for Life IRA
0.40%	$25k	-	180-364 Day Golden Trail IRA
0.35%	$25k	-	32-89 Day Banking for Life IRA
0.35%	$25k	-	32-89 Day Golden Trail IRA
0.35%	$25k	-	90-179 Day Banking for Life IRA
0.35%	$25k	-	90-179 Day Golden Trail IRA
0.35%	$25k	-	2 Year IRA
0.25%	$25k	-	18 Month IRA
0.20%	$25k	-	365 Day IRA
0.15%	$25k	-	180-364 Day IRA
0.10%	$25k	-	32-89 Day IRA
0.10%	$25k	-	90-179 Day IRA

Rates updated: 5/27/2012 * Not all products updated

Data for Q1 2012

Institution Statistics

South Valley Bank & Trust
FDIC Certificate #	22401
BankRate Report	View
Year Established	1977
Employees	259
Primary Regulator	FDIC
Assets and Liabilities
Assets	$854.30 million
Loans	$552.70 million
Deposits	$758.80 million
Equity Capital	$67.23 million
Loan Loss Allowance	$10.07 million
Unbacked Noncurrent Loans	$18.34 million
Real Estate Owned	$12.43 million
Historic Data - March 2011
Assets	$849.97 million
Equity Capital	$69.80 million
Loan Loss Allowance	$11.17 million
Unbacked Noncurrent Loans	$25.13 million
Real Estate Owned	$3.65 million
Profit Margin - Quarterly
Net Interest Margin	4.18%
Return on Assets	0.54%
Return on Equity	6.99%
Interest Income	$8.88 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
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 March 31, 2012 South Valley Bank & Trust had $30.78 million in non-current loans and owned real-estate with $77.3 million in equity and loan loss allowances on hand to cover it. This gives South Valley Bank & Trust a Texas Ratio of 39.81% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for South Valley Bank & Trust held steady from 35.54% as of March 31, 2011 to 39.81% as of March 31, 2012, resulting in a negative change of 12.02%. This indicates that the balance sheet and financial strength for South Valley Bank & Trust has held steady in recent periods.
Deposit Growth
In the past year, South Valley Bank & Trust has increased its total deposits by $9.17 million, resulting in 1.22% 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 South Valley Bank & Trust has shown is above average.
Capitalization
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. South Valley Bank & Trust has $854.3 million in assets with $77.3 million in equity, resulting in a capitalization level of 9.05%, which is average.

I Think They Are Excellent.
5 stars

- mizfurball - Wednesday, September 21, 2011 - 4:14 PM

This is the only local bank we have left in Klamath Falls, OR. We previously had another local bank, but it was bought by Sterling and many people did not like the service at Sterling and moved their money elsewhere. We do have a couple of credit unions. The other banks we have are all big banks.

I have been banking at South Valley for several years and have 3 accounts there. Their people are excellent and give wonderful customer service. Even though you see them as average, we in Klamath Falls think they are terrific.

Overall A Good Small Bank
4 stars

- roguerafter97 - Sunday, December 18, 2011 - 9:50 PM

I became a customer of South Valley when they bought Home Valley Bank in 2010. When South Valley took over they kept most things the same. Still had free checking and friendly staff. Only downside is that they added a few fees that HVB didnt have, but so far I have managed to avoid them all. Overall a great bank with VERY friendly people!