Pacific Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Pacific Valley Bank is an FDIC-insured commercial bank headquartered in Salinas, CA, established in 2004 (FDIC certificate 57740), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $653.3M, up 14.1% from Q2 2025, the 72nd largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.60% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57740
- Headquarters
- Salinas, CA
- Established
- 2004
- Total assets, Q2 2026
- $653.3M
- Assets vs Q2 2025
- +14.1%
- Tier 1 leverage ratio, Q2 2026
- 12.60%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 121143833
- Holding company
- PACIFIC VALLEY BANCORP
- Asset rank in state
- 72nd of 113 in California
Pacific Valley Bank leans heavily on commercial real estate. Based in Salinas, California, it had $653 million in assets at June 30, 2026, up 14.1% from a year earlier. It holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 16.2% over the year, 4.0 times the median of 4.0% for banks its size.
Earnings jumped: net income for the quarter was $1.6 million, 44% above the same quarter a year earlier. Over the same year, loans grew 9.6% and deposits grew 16.2%. Profitability lags: it returns 8.0% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, Pacific Valley Bank reported a return on assets of 0.99%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 0.37%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pacific Valley Bank is the 72nd largest of the 113 banks headquartered in California. From Q1 2026 to Q2 2026, its total assets rose 4.0% to $653.3M, loans rose 3.4% and deposits rose 4.5%. Non-owner-occupied commercial real estate loans made up 40.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 16.4%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in CA; its Salinas 2 offices book 65% of its branch deposits. On its Q2 2026 call report, Pacific Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 150 Main St, Salinas, CA 93901
- County
- Monterey
- Metro Area
- Salinas, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 14, 2004
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $570.5M
- Allowance for credit losses
- $7.9M
- Net charge-offs (YTD)
- -$60K
- Average total assets
- $630.5M
- Average total loans
- $534.6M
- Average interest-bearing deposits
- $375.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 14, 2004
- FDIC Cert
- 57740
- Fed RSSD
- 3293540
- SEC CIK
- 1884114 → filed by PACIFIC VALLEY BANCORP
- Website
- www.pacificvalleybank.com →
- Parent Holding Company
- PACIFIC VALLEY BANCORP (RSSD 5654426)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Pacific Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Pacific Valley Bank's total assets ran between $523.2M (Q1 2024) and $710.3M (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
$653.3M total assets against $572.6M; $574.1M total liabilities against $497.9M.
$539.3M net loans and leases against $491.7M; $570.5M total deposits against $491.1M.
$21.6M securities against $25.1M; $73.2M cash and balances due against $38.2M.
$8.6M total interest income against $7.7M; $2.6M total interest expense against $2.6M.
$6.1M net interest income against $5.1M.
$380K total noninterest income against $399K; $4.2M total noninterest expense against $4.0M.
$0 provision for credit losses against $0.
$1.6M net income against $1.1M.
0.99% return on assets against 0.77%; 3.95% net interest margin against 3.75%.
12.60% tier 1 leverage ratio against 13.37%.
Inside the full Pacific Valley 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Pacific Valley Bank rankings
Its closest position to the top of a national ranking is 1,439 of 4,196, for total assets; its furthest is 3,042 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.62% (Q4 2025) to 0.99% (Q2 2026) and its net interest margin ran from 3.44% (Q3 2024) to 4.00% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.60% | 0.99% | 0.24% | 0.37% | 3.95% |
| Q1 2026 | 12.51% | 0.84% | 0.60% | 0.26% | 3.87% |
| Q4 2025 | 12.74% | 0.62% | 0.22% | 0.27% | 4.00% |
| Q3 2025 | 13.03% | 0.76% | 0.05% | 0.18% | 3.67% |
| Q2 2025 | 13.37% | 0.77% | 0.05% | 0.17% | 3.75% |
| Q1 2025 | 13.27% | 0.79% | 0.03% | 0.18% | 3.53% |
| Q4 2024 | 13.33% | 0.89% | 0.03% | 0.21% | 3.46% |
| Q3 2024 | 13.17% | 0.95% | 0.24% | 1.42% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Salinas Branch | Salinas , CA | 93901 | $370.0M |
| Monterey Branch | Monterey , CA | 93940 | $125.3M |
| King City Branch | King City , CA | 93930 | $57.3M |
| Santa Cruz Branch | Santa Cruz , CA | 95060 | $18.0M |
| Pacific Valley Bank (main office) | Salinas , CA | 93901 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 103 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $3.5M approved, $885K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pacific Valley Bank
What are Pacific Valley Bank's total assets?
As of the Q2 2026 filing, Pacific Valley Bank reported total assets of $653.3 million in its FFIEC call report.
Where is Pacific Valley Bank headquartered?
It is headquartered in Salinas, CA, United States.
When was Pacific Valley Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Pacific Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57740). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pacific Valley Bank?
Pacific Valley Bank's primary federal regulator is the FDIC.
How many branches does Pacific Valley Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pacific Valley Bank's Texas Ratio?
Its Texas Ratio is 0.37% 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.
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