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Overview / Commentary
2404 San Ramon Valley Boulevard, Suite 100
San Ramon, CA 94583

Tri-Valley Bank (CA) is headquartered in San Ramon and is the 196th largest bank in the state of California. It is also the 4,679th largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 16 employees at 2 locations. Tri-Valley Bank (CA) has a C+ 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 Tri-Valley Bank (CA) had $2.22 million in non-current loans and owned real-estate with $9.3 million in equity and loan loss allowances on hand to cover it. This gives Tri-Valley Bank (CA) a Texas Ratio of 23.91% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Tri-Valley Bank (CA) decreased slightly from 29.86% as of March 31, 2013 to 23.91% as of March 31, 2014, resulting in a positive change of 19.93%.This indicates that the balance sheet and financial strength for Tri-Valley Bank (CA) has improved slightly in recent periods.

Deposit Growth


In the past year, Tri-Valley Bank (CA) has decreased its total deposits by $-569,000, resulting in -0.64% 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 Tri-Valley Bank (CA) has shown is 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. Tri-Valley Bank (CA) has $102.22 million in assets with $9.3 million in equity, resulting in a capitalization level of 9.10%, which is average.

Institution Statistics

FDIC Certificate #58004
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$102.22 million
Loans$70.65 million
Deposits$88.65 million
Equity Capital$7.89 million
Loan Loss Allowance$1.41 million
Unbacked Noncurrent Loans$359,000
Real Estate Owned$1.87 million
Historic Data - March 2013
Assets$98.77 million
Equity Capital$9.42 million
Loan Loss Allowance$1.52 million
Unbacked Noncurrent Loans$359,000
Real Estate Owned$1.93 million
Profit Margin - Quarterly
Return on Assets-0.71%
Return on Equity-8.92%
Interest Income$862,000

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Tri-Valley Bank (CA) Locations
Livermore Branch1756 First StreetLivermore, CA 94550
Tri-Valley Bank2404 San Ramon Valley Boulevard, Suite 100San Ramon, CA 94583