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Overview / Commentary
5000 California Avenue, Suite 110
Bakersfield, CA 93309

Valley Republic Bank is headquartered in Bakersfield and is the 104th largest bank in the state of California. It is also the 1,708th largest bank in the nation. It was established in 2009 and as of March of 2014, it had grown to 45 employees at 1 location. Valley Republic Bank has a A+ 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 Valley Republic Bank had $0 in non-current loans and owned real-estate with $41.61 million in equity and loan loss allowances on hand to cover it. This gives Valley Republic Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Valley Republic Bank has increased its total deposits by $30.87 million, resulting in 9.67% 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 Republic Bank has shown is excellent.



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 Republic Bank has $389.7 million in assets with $41.61 million in equity, resulting in a capitalization level of 10.68%, which is above average.

Institution Statistics

FDIC Certificate #58828
Year Established2009
Primary RegulatorFDIC
Assets and Liabilities
Assets$389.70 million
Loans$182.16 million
Deposits$350.23 million
Equity Capital$38.63 million
Loan Loss Allowance$2.98 million
Real Estate Owned$0
Historic Data - March 2013
Assets$358.70 million
Equity Capital$38.39 million
Loan Loss Allowance$2.47 million
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.82%
Return on Assets0.61%
Return on Equity6.26%
Interest Income$2.82 million

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Valley Republic Bank Locations
Valley Republic Bank5000 California Avenue, Suite 110Bakersfield, CA 93309