Central Valley Community Bank


7100 N. Financial Drive, Suite101
Fresno, CA 93720
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 3.50% →
1-Year CD N.A. 3.70% →
2-Year CD N.A. 3.80% →
5-Year CD N.A. 4.25% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Central Valley Community Bank is an FDIC insured institution located in Fresno, CA. It was founded in 1980 and has approximately $2.42 billion in assets. Customers can open an account at one of its 30 branches.

FDIC Insured Yes
FDIC Certificate # 23030
Date Established 1980
Assets $ 2.42 billion
Loans $ 1,002.18 million
Deposits $ 2.18 billion
Capital $ 212.71 million

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

Deposit Rates - October 1, 2022

Your Current Location: California, CA 92111


Loan Rates - October 1, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for Central Valley Community Bank

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

Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
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NMLS ID: 2890
License#: 413-0477
6.477% 6.375%
0.63 points
$2,678 fees
$1,560 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
7.010% 6.875%
0.88 points
$3,438 fees
$1,643 Learn More
NMLS ID: 1907

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AmeriSave Mortgage Corporation
NMLS ID: 1168

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Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 5.740 %
After Intro: 7.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Central Valley Community Bank
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San Diego,California

Central Valley Community Bank Locations

Climate Initiatives

Central Valley Community Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Central Valley Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Central Valley Community 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 Community Bank U.S. Bank Average
0.13% 4.01%

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, 2022, Central Valley Community Bank had $292,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $212,706,000 in equity and $9,864,000 in loans loss reserves. That gives it a Texas Ratio of 0.13%.

Return on Equity
Central Valley Community Bank U.S. Bank Average
10.88% 9.01%

Central Valley Community Bank has a Return on Equity of 10.88% versus the BestCashCow average of 9.01%. 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 Community Bank U.S. Bank Average
8.78% 10.66%

Central Valley Community Bank has a Capitalization of 8.78% versus the BestCashCow average of 10.66. 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 Community Bank Balance Sheet Analysis

As of March 31, 2022, Central Valley Community Bank had assets of $2,422,837,000, loans of $1,002,178,000, and deposits of $2,180,933,000. 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, 2022
Cash & Balances due from depository institutions $ 88.59 million
Interest-bearing balances $ 56.33 million
Total securities $ 1,168.83 million
Federal funds sold and reverse repurchase $ 0.25 million
Net loans and leases $ 1,002.18 million
Loan loss allowance $ 9.86 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 54.16 million
All other assets $ 93.43 million
     Total Assets $ 2.21 billion
Total deposits $ 2.18 billion
      Interest-bearing deposits $ 1,236.29 million
      Deposits held in domestic offices $ 2.18 billion
      % insured (estimated) 58.81%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 29.20 million
      Total Liabilities $ 2.21 billion
      Shareholders’ Equity $ 212.71 million

Summary Income Statement

March 31, 2022
Total Interest Income $ 18.27 million
Total Interest Expense $ 0.25 million
Net interest income $ 18.02 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.89 million
Total non interest expense $ 11.23 million
Pre-tax Net Operating Income $ 8.67 million

Bank Loan Profile?

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

Compared to other banks in California, Central Valley Community Bank has a significantly higher percent of Small Business Loans, Farm 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 5.49
Credit Card Loans 0.00
Consumer Auto Loans 2.69
Small Business Loans 11.21
Construction and Development Loans 7.26
Commercial Real Estate 57.80
Commercial and Industrial Loans 11.30
Farm Loans 3.20

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