Oak Valley Community Bank

Overview / Commentary

www.ovcb.com

209-848-2265

125 North Third Avenue
Oakdale, CA 95361

Oak Valley Community Bank is headquartered in Oakdale and is the 51^st largest bank in the state of California. It is also the 622^nd largest bank in the nation. It was established in 1991 and as of March of 2021, it had grown to 182 employees at 18 locations. Oak Valley Community Bank has an A health rating.

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Health

Data as of Q1 2021

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Health Grade Components

Overall
FDIC Certificate #	33457
Year Established	1991
Employees	182
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.13%
Return on Equity - YTD	13.81%
Annual Interest Income	$12.5MM

Assets and Liabilities
Assets	Q1 2021vs Q1 2020	$1.67B$1.16B
Loans	Q1 2021vs Q1 2020	$1.01B$749.7MM
Deposits	Q1 2021vs Q1 2020	$1.52B$1.03B
Equity Capital	Q1 2021vs Q1 2020	$131.7MM$114.0MM
Loan Loss Allowance	Q1 2021vs Q1 2020	$11.3MM$9.6MM
Unbacked Noncurrent Loans	Q1 2021vs Q1 2020	$362.00K$960.00K
Real Estate Owned	Q1 2021vs Q1 2020	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Oak Valley Community Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^*	$10k^*	-	Minor Savings
OTHER TIERS: 0.03% → Up to $10k
0.05%^*	$10k^*	-	Business Savings
OTHER TIERS: 0.03% → Up to $10k
0.05%^*	$10k^*	-	Old-Fashioned Savings
OTHER TIERS: 0.03% → Up to $10k
0.05%^*	$10k^*	-	e-Savings
OTHER TIERS: 0.03% → Up to $10k
0.03%	$500	-	HSA Liquidity
0.03%	$500	-	Business HSA Liquidity
0.01%	$500	-	HSA Checking
0.01%	$500	-	HSA Savings
0.01%	$500	-	Business HSA Checking
0.01%	$500	-	Business HSA Savings

Oak Valley Community Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$100k^*	-	Liquidity Plus
OTHER TIERS: 0.03% → Up to $10k \| 0.05% → $10k - $25k \| 0.07% → $25k - $50k \| 0.09% → $50k - $100k
0.10%^*	$100k^*	-	Business Liquidity Plus
OTHER TIERS: 0.03% → Up to $10k \| 0.05% → $10k - $25k \| 0.07% → $25k - $50k \| 0.09% → $50k - $100k

Oak Valley Community Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	-	-	Premier Checking
0.01%	$2.5k	-	Oak Tree Checking
0.01%	$5k	-	Interest Business Checking

Oak Valley Community Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$2.5k	-	36 Month CD
0.30%	$2.5k	-	24 Month CD
0.20%	$2.5k	-	12 - 23 Month CD
0.10%	$2.5k	-	180 - 364 Day CD
0.05%	$2.5k	-	30 - 179 Day CD

Oak Valley Community Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$100	-	24 - 60 Month IRA
0.15%	$100	-	12 - 23 Month IRA
0.10%	$100	-	6 Month IRA

Locations

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Sacramento Area

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