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Overview / Commentary
701 West Main Street
Visalia, CA 93291

Valley Business Bank is headquartered in Visalia and is the 106th largest bank in the state of California. It is also the 1,741st largest bank in the nation. It was established in 1996 and as of June of 2014, it had grown to 85 employees at 5 locations. Valley Business Bank has a A+ health rating.

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Data for Q2 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 June 30, 2014 Valley Business Bank had $2.96 million in non-current loans and owned real-estate with $48.29 million in equity and loan loss allowances on hand to cover it. This gives Valley Business Bank a Texas Ratio of 6.13% 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 Valley Business Bank decreased dramatically from 10.28% as of June 30, 2013 to 6.13% as of June 30, 2014, resulting in a positive change of 40.36%.This indicates that the balance sheet and financial strength for Valley Business Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Valley Business Bank has increased its total deposits by $7.56 million, resulting in 2.34% 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 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. Valley Business Bank has $379.76 million in assets with $48.29 million in equity, resulting in a capitalization level of 12.72%, which is excellent.

Institution Statistics

FDIC Certificate #34156
Year Established1996
Primary RegulatorFDIC
Assets and Liabilities
Assets$379.76 million
Loans$247.12 million
Deposits$330.04 million
Equity Capital$45.08 million
Loan Loss Allowance$3.21 million
Unbacked Noncurrent Loans$2.96 million
Real Estate Owned$0
Historic Data - June 2013
Assets$368.29 million
Equity Capital$41.69 million
Loan Loss Allowance$3.77 million
Unbacked Noncurrent Loans$2.96 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.34%
Return on Equity11.75%
Interest Income$7.47 million

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Valley Business Bank Savings Account Rates

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

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

Valley Business Bank Checking Account Rates

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

Valley Business Bank CD Rates

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

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

Valley Business Bank Locations
Tipton Branch174 South Burnet RoadTipton, CA 93272
Tulare Business Banking Center Branch1901 E. ProsperityTulare, CA 93274
Woodlake Branch232 North Valencia StreetWoodlake, CA 93286
Valley Business Bank701 West Main StreetVisalia, CA 93291
Fresno Business Banking Center7391 N. Palm AvenueFresno, CA 93711