Central Valley Bank


537 West Second
Toppenish, WA 98948
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Central Valley Bank is an FDIC insured institution located in Toppenish, WA. It was founded in 1962 and has approximately $0.18 billion in assets.

FDIC Insured Yes
FDIC Certificate # 18616
Date Established 1962
Assets $ 178.94 million
Loans $ 114.57 million
Deposits $ 159.64 million
Capital $ 17.68 million

For a more detailed analysis of Central Valley Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 29, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - July 29, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Central Valley Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 174457
2.771% 2.750%
0.25 points
$682 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
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2.240 %
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BMO Harris Bank
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4.840 %
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Note to Central Valley Bank
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Financial Details

Central Valley Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Central Valley Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Central Valley Bank U.S. Bank Average
10.95% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Central Valley Bank had $1,719,000 in non-current loans and $577,000 in owned real estate. To cover these potential losses it had $17,682,000 in equity and $3,287,000 in loans loss reserves. That gives it a Texas Ratio of 10.95%.

Return on Equity
Central Valley Bank U.S. Bank Average
16.2% 11.43%

Central Valley Bank has a Return on Equity of 16.2% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Central Valley Bank U.S. Bank Average
9.88% 11.51%

Central Valley Bank has a Capitalization of 9.88% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Central Valley Bank Balance Sheet Analysis

As of March 31, 2013, Central Valley Bank had assets of $178,937,000, loans of $114,574,000, and deposits of $159,636,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 114.57 million
Loan loss allowance $ 3.29 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.58 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 159.64 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 178.94 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Central Valley Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Washington, Central Valley Bank has a significantly higher percent of Credit Card Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 4.36
Credit Card Loans 0.29
Consumer Auto Loans 0.03
Small Business Loans 24.22
Construction and Development Loans 4.28
Commercial Real Estate 41.29
Commercial and Industrial Loans 19.24
Farm Loans 11.86

Frequently Asked Questions About Central Valley Bank

Branches and Savings

Is Central Valley Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18616.

Why does Central Valley Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Central Valley Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Central Valley Bank a commercial bank?


Where are Central Valley Bank locations?

See branch locations nearby.

Is Central Valley Bank open on Saturdays?

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Do Central Valley Bank checks expire?

Does Central Valley Bank require US citizenship to open account?

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Does Central Valley Bank offer mortgages?

Compare mortgage rates here.

Does Central Valley Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Central Valley Bank offer personal loans?

Compare personal loan rates here.

Does Central Valley Bank offer student loans?

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Background on The Bank

Who owns Central Valley Bank?

How long has Central Valley Bank been around?

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Does Central Valley Bank have quick pay?

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