Central Valley Bank

Headquarters

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

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 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 - December 5, 2020

Your Current Location: Connecticut, CT 06828

 

Loan Rates - December 5, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.558% 2.500% 0.75 $1,905 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Central Valley Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Central Valley Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Central Valley Bank Locations


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% 6.94%

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, 2020, 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% 7.80%

Central Valley Bank has a Return on Equity of 16.2% versus the BestCashCow average of 7.80%. 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.

Capitalization
Central Valley Bank U.S. Bank Average
9.88% 12.68%

Central Valley Bank has a Capitalization of 9.88% versus the BestCashCow average of 12.68. 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, 2020
ASSETS
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.
LIABILITIES
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, 2020
INCOME AND EXPENSES
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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 4.36
Multifamily
Mortgages
2.48
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?

Yes

Where are Central Valley Bank locations?

See branch locations nearby.

Is Central Valley Bank open on Saturdays?

Is Central Valley Bank open on Sundays?

What time does Central Valley Bank open?

What time does Central Valley Bank close?

Are Central Valley Bank ATMs Open 24/7?

Do Central Valley Bank ATMs accept cash deposits?

Can Central Valley Bank customers use other ATMs?

Do Central Valley Bank branches have notaries?

Will Central Valley Bank notarize my document?

What address for Central Valley Bank should I put for incoming ACH transfers?

Will the Central Valley Bank branch print checks?

Do Central Valley Bank checks expire?

Does Central Valley Bank require US citizenship to open account?

Can Central Valley Bank close my account?

Does Central Valley Bank Report to credit bureaus?

Does Central Valley Bank Use Equifax?

What is Central Valley Bank's ACH Routing Number?

What is Central Valley Bank's SWIFT code?

Products

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?

Will Central Valley Bank cash a check?

Will Central Valley Bank redeem a savings bond?

Does Central Valley Bank cash savings bonds?

Will Central Valley Bank cash money orders?

Can Central Valley Bank issue a money order?

Does Central Valley Bank do currency exchange?

Background on The Bank

Who owns Central Valley Bank?

How long has Central Valley Bank been around?

Can Central Valley Bank transfer to other banks?

Does Central Valley Bank have quick pay?

Does Central Valley Bank accept rolled coins?

Will Central Valley Bank accept loose change?

Where is Central Valley Bank headquarters?

Customer Reviews for Central Valley Bank

There are currently no comments for Central Valley Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →