Oak Valley Community Bank
BankRegReports is independent of Oak Valley Community Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Oak Valley Community Bank is an FDIC-insured commercial bank headquartered in Oakdale, CA, established in 1991 (FDIC certificate 33457), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.00B, up 4.2% from Q2 2025, the 43rd largest of 113 banks headquartered in California. Its CET1 capital ratio was 15.72% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 33457
- Headquarters
- Oakdale, CA
- Established
- 1991
- Total assets, Q2 2026
- $2.00B
- Assets vs Q2 2025
- +4.2%
- CET1 ratio, Q2 2026
- 15.72%
- Domestic offices
- 20 FDIC institution directory, current count
- Routing number
- 121142119
- Latest call report
- Q2 2026, FFIEC 041 · Oak Valley Community Bank call report
- Holding company
- OAK VALLEY BANCORP
- Asset rank in state
- 43rd of 113 in California
Oak Valley Community Bank, based in Oakdale, California, reported $2.0 billion in assets at June 30, 2026, up 4.2% from a year earlier. It pays an average of 0.80% on its deposits and borrowings, about a third the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also carries problem assets equal to 1.2% of the capital and reserves that would absorb them, about a third the median of 3.6% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $25 million equal 11% of Tier 1 capital, down from 20% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Oak Valley Community Bank reported a CET1 capital ratio of 15.72%, a return on assets of 1.11%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 1.18%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Oak Valley Community Bank is the 43rd largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $2.00B, loans rose 1.6% and deposits fell 1.0%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 46.7% of total loans, followed by owner-occupied commercial real estate loans at 18.7%. Its 20 offices in the FDIC Summary of Deposits are in 16 cities in CA; its Modesto 3 offices book 23% of its branch deposits. By the capital ratios in its Q2 2026 call report, Oak Valley Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 125 N 3rd Ave, Oakdale, CA 95361
- County
- Stanislaus
- Metro Area
- Modesto, CA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 28, 1991
- Domestic offices
- 20 FDIC institution directory, current count
- Employees (FTE)
- 246
- Domestic deposits
- $1.76B
- Allowance for credit losses
- $11.2M
- Net charge-offs (YTD)
- $1.8M
- Average total assets
- $2.01B
- Average total loans
- $1.16B
- Average interest-bearing deposits
- $1.19B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 28, 1991
- FDIC Cert
- 33457
- Fed RSSD
- 1864197
- SEC CIK
- 1431567 → filed by OAK VALLEY BANCORP
- Website
- www.ovcb.com →
- Parent Holding Company
- OAK VALLEY BANCORP (RSSD 3726440) · OVLY
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Christopher M. Courtney | CEO | CEO |
| Richard A. Mccarty | PRES | President & COO |
| Jeffrey A Gall | CFO | EVP Chief Financial Officer |
| Michael J Rodrigues | CCO | EVP Chief Credit Officer |
| Russell E Stahl | CIO | EVP Chief Information Officer |
| Kimberly D Booke | CRO | EVP Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Oak Valley Community Bank's total assets ran between $1.81B (Q1 2024) and $2.02B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.00B total assets against $1.92B; $1.79B total liabilities against $1.74B.
$1.15B net loans and leases against $1.10B; $1.76B total deposits against $1.71B.
$535.3M securities against $506.6M; $194.8M cash and balances due against $198.9M.
$22.6M total interest income against $21.6M; $3.5M total interest expense against $3.3M.
$19.0M net interest income against $18.3M.
$1.6M total noninterest income against $1.5M; $13.4M total noninterest expense against $12.1M.
$21K provision for credit losses against $245K.
$5.6M net income against $5.8M.
1.11% return on assets against 1.20%; 4.14% net interest margin against 4.12%.
15.72% CET1 capital ratio against 14.84%; 11.48% tier 1 leverage ratio against 10.92%.
Inside the full Oak Valley Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Oak Valley Community Bank rankings
Its closest position to the top of a national ranking is 598 of 4,196, for total assets; its furthest is 2,606 of 3,640, for Texas Ratio.
Metric pages for Oak Valley Community Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.10% (Q1 2026) to 1.58% (Q3 2024) and its net interest margin ran from 4.05% (Q4 2024) to 4.22% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.72% | 1.11% | 0.00% | 1.18% | 4.14% |
| Q1 2026 | 15.42% | 1.10% | 0.42% | 2.22% | 4.12% |
| Q4 2025 | 15.27% | 1.27% | 0.40% | 2.12% | 4.19% |
| Q3 2025 | 15.21% | 1.39% | 0.00% | 0.00% | 4.22% |
| Q2 2025 | 14.84% | 1.20% | 0.00% | 0.00% | 4.12% |
| Q1 2025 | 14.69% | 1.14% | 0.00% | 0.00% | 4.05% |
| Q4 2024 | 14.47% | 1.29% | 0.00% | 0.00% | 4.05% |
| Q3 2024 | 14.44% | 1.58% | 0.00% | 0.00% | 4.09% |
Swipe the table sideways to see every column.
Branch Network
View all 20 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Oakdale Branch | Oakdale , CA | 95361 | $226.7M |
| 12th & I | Modesto , CA | 95354 | $226.0M |
| Escalon Branch | Escalon , CA | 95320 | $138.7M |
| Sonora - East Branch | Sonora , CA | 95370 | $130.2M |
| Sonora-Downtown Branch | Sonora , CA | 95370 | $127.8M |
| Ripon Branch | Ripon , CA | 95366 | $121.1M |
| Modesto Dale Branch | Modesto , CA | 95356 | $99.7M |
| Manteca Branch | Manteca , CA | 95336 | $87.6M |
| Tracy Branch | Tracy , CA | 95376 | $87.1M |
| Stockton Branch | Stockton , CA | 95219 | $80.3M |
| Bishop Branch | Bishop , CA | 93514 | $79.7M |
| Mchenry Branch | Modesto , CA | 95356 | $78.1M |
| Mammoth Lakes Branch | Mammoth Lakes , CA | 93546 | $74.8M |
| Turlock Branch | Turlock , CA | 95380 | $74.6M |
| Patterson Branch | Patterson , CA | 95363 | $71.5M |
| Bridgeport Branch | Bridgeport , CA | 93517 | $19.5M |
| Roseville - Stone Point Branch | Roseville , CA | 95661 | $15.0M |
| Sacramento - Capitol Mall Branch | Sacramento , CA | 95814 | $14.7M |
| Lodi - Downtown Branch | Lodi , CA | 95240 | $11.3M |
| Oak Valley Community Bank (main office) | Oakdale , CA | 95361 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 24, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 24, 2015 | Structure Change | Acquired Mother Lode Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 65 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 40 applications, 22 loans originated, $14.1M originated, across 1 states
- Period: Calendar year 2018. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Oak Valley Community Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Oak Valley Community Bank with peers
Frequently asked about Oak Valley Community Bank
What are Oak Valley Community Bank's total assets?
As of the Q2 2026 filing, Oak Valley Community Bank reported total assets of $2.00 billion in its FFIEC call report.
Where is Oak Valley Community Bank headquartered?
It is headquartered in Oakdale, CA, United States.
When was Oak Valley Community Bank founded?
It was established in 1991, per the FDIC institution directory.
Is Oak Valley Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33457). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oak Valley Community Bank?
Oak Valley Community Bank's primary federal regulator is the Federal Reserve.
What is Oak Valley Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.72% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Oak Valley Community Bank operate?
It operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Oak Valley Community Bank's Texas Ratio?
Its Texas Ratio is 1.18% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Oak Valley Community Bank.
Get an email when Oak Valley Community Bank files its next call report, and benchmark it against any peer you choose.
Unlock Oak Valley Community Bank, freeFree account