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Overview / Commentary
465 Main Street
Pleasanton, CA 94566

Valley Community Bank (CA) is headquartered in Pleasanton and is the 175th largest bank in the state of California. It is also the 3,918st largest bank in the nation. It was established in 1998 and as of December of 2013, it had grown to 36 employees at 5 locations. Valley Community Bank (CA) has a B health rating.

Reviews (1)

Darn Good Bank

In an era where banks charge the heck out of you while you lend them money, this is a darn good bank.


Data for Q4 2013

Institution Health


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 December 31, 2013 Valley Community Bank (CA) had $5.38 million in non-current loans and owned real-estate with $20.32 million in equity and loan loss allowances on hand to cover it. This gives Valley Community Bank (CA) a Texas Ratio of 26.47% 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 Valley Community Bank (CA) decreased dramatically from 55.19% as of December 31, 2012 to 26.47% as of December 31, 2013, resulting in a positive change of 52.03%.This indicates that the balance sheet and financial strength for Valley Community Bank (CA) has improved dramatically in recent periods.

Deposit Growth


In the past year, Valley Community Bank (CA) has decreased its total deposits by -$19.15 million, resulting in -13.7% 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 Community Bank (CA) has shown is poor.



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 Community Bank (CA) has $138.44 million in assets with $20.32 million in equity, resulting in a capitalization level of 14.68%, which is excellent.

Institution Statistics

FDIC Certificate #34689
Year Established1998
Primary RegulatorFDIC
Assets and Liabilities
Assets$138.45 million
Loans$86.59 million
Deposits$120.59 million
Equity Capital$15.75 million
Loan Loss Allowance$4.57 million
Unbacked Noncurrent Loans$5.38 million
Real Estate Owned$0
Historic Data - December 2012
Assets$162.00 million
Equity Capital$16.28 million
Loan Loss Allowance$5.22 million
Unbacked Noncurrent Loans$5.38 million
Real Estate Owned$292,000
Profit Margin - Quarterly
Net Interest Margin4.07%
Return on Assets-0.24%
Return on Equity-2.2%
Interest Income$6.06 million

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Valley Community Bank (CA) Savings Account Rates

0.50%$250k-Investment Manager Account
0.25%$100k-Heath Savings Account (HSA)
0.25%$100k-Statement Savings
0.25%$100k-IRA Savings
0.25%$100k-Business Statement Savings
0.25%$100k-Club Savings Account
0.25%$100k-Organization Savings
0.25%$100k-Association Savings

Valley Community Bank (CA) Money Market Rates

0.25%$50k-Money Market Savings

Valley Community Bank (CA) Checking Account Rates

0.25%$100k-Capital Business Checking Account

Valley Community Bank (CA) CD Rates

0.65%$100k-36 Month CD
0.50%$100k-18 Month CD
0.50%$100k-24 Month CD
0.40%$100k-12 Month CD
0.30%$100k-90 to 179 Day CD
0.30%$100k-180 to 364 Day CD
0.15%$100k-30 to 59 Day CD
0.15%$100k-60 to 89 Day CD
0.10%$50k-14 to 29 Day CD

Valley Community Bank (CA) Locations
San Jose Branch1150 Bascom Avenue, Suite 29San Jose, CA 95128
Livermore Branch1986 Second StreetLivermore, CA 94550
Valley Community Bank465 Main StreetPleasanton, CA 94566