Oak Valley Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 22061.75 percentage points higher than in Q1 2026, at 22344.00%. Oak Valley Community Bank ranks 55th of 114 California banks on return on assets, in the upper half at 1.11% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Oak Valley Community Bank sits 0.17 points lower, at 1.11% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.72% |
| Tier 1 risk-based capital ratio | 15.72% |
| Total risk-based capital ratio | 16.53% |
| Tier 1 leverage ratio | 11.48% |
| Equity capital to assets | 10.79% |
| Tangible equity to tangible assets | 10.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.60% |
| Texas ratio | 1.18% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 22344.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 10.56% |
| Net interest margin | 4.14% |
| Efficiency ratio | 62.68% |
| Yield on earning assets | 4.89% |
| Cost of funds | 0.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.96% |
| Core deposits to total deposits | 96.96% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.16% |
| Securities to assets | 26.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.72% | 13.72% | 14.53% | 9.24% | 1.57% |
| Q4 2023 | 13.83% | 13.83% | 14.70% | 9.64% | 1.26% |
| Q1 2024 | 13.98% | 13.98% | 14.85% | 10.01% | 1.28% |
| Q2 2024 | 14.13% | 14.13% | 14.99% | 10.35% | 1.31% |
| Q3 2024 | 14.44% | 14.44% | 15.32% | 10.41% | 1.58% |
| Q4 2024 | 14.47% | 14.47% | 15.31% | 10.51% | 1.29% |
| Q1 2025 | 14.69% | 14.69% | 15.55% | 10.67% | 1.14% |
| Q2 2025 | 14.84% | 14.84% | 15.70% | 10.92% | 1.20% |
| Q3 2025 | 15.21% | 15.21% | 16.07% | 10.81% | 1.39% |
| Q4 2025 | 15.27% | 15.27% | 16.17% | 10.94% | 1.27% |
| Q1 2026 | 15.42% | 15.42% | 16.34% | 11.09% | 1.10% |
| Q2 2026 | 15.72% | 15.72% | 16.53% | 11.48% | 1.11% |
Oak Valley Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Oak Valley Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)