Valley Business Bank

Valley Business Bank Locations
701 West Main Street
Visalia, CA 93291
www.valleybusinessbank.net

FDIC


Valley Business Bank is headquartered in Visalia and is the 109th largest bank in the state of California. It is also the 1,832nd largest bank in the nation. It was established in 1996 and as of December of 2012, it had grown to 80 employees at 5 locations. Valley Business Bank has a 4-star health rating.



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

Valley Business Bank Checking Account Rates

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0.10%$10k-Bonus Interest Checking Account
0.10%$10k-Business Interest Checking Account
0.10%$10k-Senior Interest Checking Account

Valley Business Bank Savings Account Rates

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0.20%$2,500-Statement Savings - Personal Account
0.20%$2,500-Statement Savings - Business Account
0.15%$100-Health Savings Account - Individual Plan
0.15%$100-Health Savings Account - Family Plan

Valley Business Bank Money Market Rates

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0.35%$500k-Personal Money Market Account
0.35%$500k-Business Money Market Account

Valley Business Bank CD Rates

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0.70%$1k-2 Year (Any Maturity) CD
0.50%$1k-1 Year CD
0.30%$1k-180 Day CD
0.25%$1k-90 Day CD
0.20%$1k-60 Day CD
0.15%$1k-30 Day CD

Valley Business Bank IRA Rates

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0.65%$1k-18 Month TCD IRA
0.60%$1k-365 Day TCD IRA

Rates updated: 5/18/2013

Data for Q4 2012


Institution Statistics


Valley Business Bank
FDIC Certificate #34156
BankRate ReportView
Year Established1996
Employees80
Primary RegulatorFDIC

Assets and Liabilities

Assets$359.99 million
Loans$227.26 million
Deposits$315.50 million
Equity Capital$40.57 million
Loan Loss Allowance$5.19 million
Unbacked Noncurrent Loans$4.42 million

Historic Data - December 2011

Assets$365.88 million
Equity Capital$45.46 million
Loan Loss Allowance$5.47 million
Unbacked Noncurrent Loans$5.65 million
Real Estate Owned$1.14 million

Profit Margin - Quarterly

Net Interest Margin4.45%
Return on Assets1.07%
Return on Equity9.3%
Interest Income$14.70 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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, 2012 Valley Business Bank had $4.42 million in non-current loans and owned real-estate with $45.76 million in equity and loan loss allowances on hand to cover it. This gives Valley Business Bank a Texas Ratio of 9.66% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Valley Business Bank decreased slightly from 13.33% as of December 31, 2011 to 9.66% as of December 31, 2012, resulting in a positive change of 27.48%.This indicates that the balance sheet and financial strength for Valley Business Bank has improved slightly in recent periods.
Deposit Growth3
In the past year, Valley Business Bank has decreased its total deposits by $-512,000, resulting in -0.16% 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 Valley Business Bank has shown is average.
Capitalization5
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. Valley Business Bank has $359.99 million in assets with $45.76 million in equity, resulting in a capitalization level of 12.71%, which is excellent.
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