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Overview / Commentary
700 Plumas Street
Yuba City, CA 95991

Sutter Community Bank is headquartered in Yuba City and is the 205th largest bank in the state of California. It is also the 5,467th largest bank in the nation. It was established in 2006 and as of June of 2014, it had grown to 16 employees at 1 location. Sutter Community Bank has a C health rating.

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Data for Q2 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Sutter Community Bank has a relatively low asset base.

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 June 30, 2014 Sutter Community Bank had $6.23 million in non-current loans and owned real-estate with $10.46 million in equity and loan loss allowances on hand to cover it. This gives Sutter Community Bank a Texas Ratio of 59.54% 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 Sutter Community Bank increased slightly from 41.36% as of June 30, 2013 to 59.54% as of June 30, 2014, resulting in a negative change of 43.96%. This indicates that the balance sheet and financial strength for Sutter Community Bank has declined slightly in recent periods.

Deposit Growth


In the past year, Sutter Community Bank has increased its total deposits by $275,000, resulting in 0.48% 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 Sutter Community Bank has shown is above average.



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. Sutter Community Bank has $66.91 million in assets with $10.46 million in equity, resulting in a capitalization level of 15.63%, which is excellent.

Institution Statistics

FDIC Certificate #58221
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$66.91 million
Loans$53.95 million
Deposits$57.64 million
Equity Capital$9.04 million
Loan Loss Allowance$1.42 million
Unbacked Noncurrent Loans$4.43 million
Real Estate Owned$1.80 million
Historic Data - June 2013
Assets$66.61 million
Equity Capital$8.89 million
Loan Loss Allowance$1.38 million
Unbacked Noncurrent Loans$4.43 million
Real Estate Owned$1.30 million
Profit Margin - Quarterly
Return on Assets0.12%
Return on Equity0.87%
Interest Income$1.32 million

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Sutter Community Bank Locations
Sutter Community Bank700 Plumas StreetYuba City, CA 95991