Oak Valley Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.65 percentage points higher than in Q1 2026, at 65.96%. Oak Valley Community Bank ranks 101st of 114 California banks on loan-to-deposit ratio, in the lower half at 65.96% (Q2 2026). Oak Valley Community Bank reported 65.96% on loan-to-deposit ratio for Q2 2026, 22.24 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.16B |
| Net loans and leases | $1.15B |
| Loans held for sale | $0 |
| Loans to total assets | 58.15% |
| Loan-to-deposit ratio | 65.96% |
| Net loans to equity capital | 5.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 65.33% |
| Multifamily (5+ residential) | 8.38% |
| Commercial and industrial | 6.63% |
| Consumer | 0.05% |
| Credit cards | 0.00% |
| Farm | 7.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.93% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 292.74% |
| Construction concentration (Tier 1 capital + allowance) | 23.87% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.39% |
| Interest income on loans | $15.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $970.0M | $1.67B | 67.17% | 5.91% | 0.05% |
| Q4 2023 | $1.02B | $1.65B | 66.18% | 6.37% | 0.05% |
| Q1 2024 | $1.04B | $1.61B | 65.75% | 6.58% | 0.08% |
| Q2 2024 | $1.07B | $1.65B | 66.82% | 6.93% | 0.07% |
| Q3 2024 | $1.07B | $1.69B | 68.29% | 7.49% | 0.08% |
| Q4 2024 | $1.10B | $1.70B | 67.53% | 7.48% | 0.07% |
| Q1 2025 | $1.09B | $1.71B | 67.56% | 7.05% | 0.05% |
| Q2 2025 | $1.11B | $1.71B | 66.31% | 7.12% | 0.05% |
| Q3 2025 | $1.11B | $1.78B | 66.52% | 7.11% | 0.06% |
| Q4 2025 | $1.14B | $1.79B | 66.48% | 6.05% | 0.05% |
| Q1 2026 | $1.15B | $1.78B | 66.44% | 5.91% | 0.03% |
| Q2 2026 | $1.16B | $1.76B | 65.33% | 6.63% | 0.05% |
Oak Valley Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Oak Valley Community Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Oak Valley Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33457) · FFIEC NIC profile (RSSD 1864197)