OAK VALLEY COMMUNITY BANK

OAKDALE, CA | Large | Est. May 28, 1991, midnight | FDIC #33457 | RSSD #1864197 | FED
Latest Report: 2025-12-31

OAK VALLEY COMMUNITY BANK is aln large FDIC-insured commercial bank headquartered in OAKDALE, CA, established in May 28, 1991, midnight. As of 2025-12-31, the bank reported total assets of $2.0B and total deposits of $1.8B. Profitability stands at 1.29% ROA and 12.83% ROE, with a net interest margin of 4.25%. The bank's CET1 capital ratio is 15.27%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.40% and a Texas Ratio of 2.09%. FDIC Certificate #33457.

Assets

$2.0B

Deposits

$1.8B

Loans

$1.1B

Equity

$208M

Profitability

Return on Assets (ROA) 1.29%
Return on Equity (ROE) 12.83%
Net Interest Margin (NIM) 4.25%
Yield on Assets 4.98%
Cost of Funds 2.23%

Asset Quality

NPL Ratio 0.40%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.09%
NPA Ratio 0.23%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 15.27%
Tier 1 Capital 15.27%
Total Capital Ratio 16.17%
Leverage Ratio 10.94%
Loan-to-Deposit 63.68%

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