Oak Valley Community Bank

Overview / Commentary

www.ovcb.com

866-844-7500

125 North Third Avenue
Oakdale, CA 95361

Oak Valley Community Bank is headquartered in OAKDALE and is the 46^th largest bank in the state of California. It is also the 583^rd largest bank in the nation. It was established in 1991 and as of March of 2023, it had grown to 206 employees at 19 locations. Oak Valley Community Bank's CD rates are 5X the national average, and it has a B health rating.

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Health

Data as of Q1 2023

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Health Grade Components

Overall
FDIC Certificate #	33457
Year Established	1991
Employees	206
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.92%
Return on Equity - YTD	28.02%
Annual Interest Income	$20.1MM

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$1.94B$1.95B
Loans	Q1 2023vs Q1 2022	$916.2MM$846.9MM
Deposits	Q1 2023vs Q1 2022	$1.77B$1.80B
Equity Capital	Q1 2023vs Q1 2022	$141.2MM$131.4MM
Loan Loss Allowance	Q1 2023vs Q1 2022	$9.4MM$10.8MM
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$0$0
Real Estate Owned	Q1 2023vs Q1 2022	$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
0.10%^*	$10k^*	-	Minor Savings
OTHER TIERS: 0.05% → Up to $10k
0.10%^*	$10k^*	-	Business Savings
OTHER TIERS: 0.05% → Up to $10k
0.10%	$500	-	HSA Liquidity
0.10%^*	$10k^*	-	Old-Fashioned Savings
OTHER TIERS: 0.05% → Up to $10k
0.10%^*	$10k^*	-	e-Savings
OTHER TIERS: 0.05% → Up to $10k
0.10%	$500	-	Business HSA Liquidity
0.05%	$500	-	HSA Checking
0.05%	$500	-	HSA Savings
0.05%	$500	-	Business HSA Checking
0.05%	$500	-	Business HSA Savings

Oak Valley Community Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$100k^*	-	Liquidity Plus
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.25% → $50k - $100k
0.50%^*	$100k^*	-	Business Liquidity Plus
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.25% → $50k - $100k

Oak Valley Community Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	-	-	Premier Checking
0.05%	$2.5k	-	Oak Tree Checking
0.05%	$5k	-	Interest Business Checking

Oak Valley Community Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%	$2.5k	-	180 - 364 Day CD
4.07%	$2.5k	-	12 - 23 Month CD
2.53%	$2.5k	-	24 Month CD
2.02%	$2.5k	-	36 Month CD
0.50%	$2.5k	-	30 - 179 Day CD

Oak Valley Community Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%	$100	-	6 Month IRA
4.07%	$100	-	12 - 23 Month IRA
2.53%	$100	-	24 - 60 Month IRA

Locations

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Sacramento Area

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