Community Valley Bank

Headquarters

1443 Main Street
El Centro, CA 92244
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.05% →
1-Year CD 0.55% 0.95% →
2-Year CD 0.55% 1.05% →
5-Year CD 0.55% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Community Valley Bank is an FDIC insured institution located in El Centro, CA. It was founded in 2007 and has approximately $0.21 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 58500
Date Established 2007
Assets $ 208.80 million
Loans $ 171.13 million
Deposits $ 171.37 million
Capital $ 23.60 million
 

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

Deposit Rates - September 18, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.10% $100,000 $199,999 Learn More
6 Mo CD
0.15% $100,000 $199,999 Learn More
12 Mo CD
0.15% $10,000 $14,999 Learn More
12 Mo CD
0.10% $10,000 $14,999 Learn More
12 Mo CD
0.15% $100,000 $199,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.10% $10,000 $14,999 Learn More
18 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.35% $10,000 $14,999 Learn More
24 Mo CD
0.55% $100,000 $199,999 Learn More
30 Mo CD
0.35% $10,000 $14,999 Learn More
30 Mo CD
0.55% $100,000 $199,999 Learn More
36 Mo CD
0.35% $10,000 $14,999 Learn More
36 Mo CD
0.55% $100,000 $199,999 Learn More
48 Mo CD
0.35% $10,000 $14,999 Learn More
48 Mo CD
0.55% $100,000 $199,999 Learn More
60 Mo CD
0.35% $10,000 $14,999 Learn More
60 Mo CD
0.55% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $99 Learn MoreShow Less
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 18, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Community Valley Bank

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




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.815% 2.750% 0.88 $2,120 $1,021 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

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

Branches

Community 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:
Seattle,Washington


Community Valley Bank Locations


Financial Details

Community Valley Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community 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
Community Valley Bank U.S. Bank Average
4.92% 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, Community Valley Bank had $1,258,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $23,604,000 in equity and $1,941,000 in loans loss reserves. That gives it a Texas Ratio of 4.92%.

Return on Equity
Community Valley Bank U.S. Bank Average
9.46% 7.80%

Community Valley Bank has a Return on Equity of 9.46% 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
Community Valley Bank U.S. Bank Average
11.3% 12.68%

Community Valley Bank has a Capitalization of 11.3% 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.

Community Valley Bank Balance Sheet Analysis

As of March 31, 2020, Community Valley Bank had assets of $208,800,000, loans of $171,130,000, and deposits of $171,374,000. 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 $ 23.70 million
Interest-bearing balances $ 19.49 million
Total securities $ 1.42 million
Federal funds sold and reverse repurchase $ 0.97 million
Net loans and leases $ 171.13 million
Loan loss allowance $ 1.94 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.13 million
All other assets $ 6.21 million
     Total Assets $ 185.20 million
LIABILITIES
Total deposits $ 171.37 million
      Interest-bearing deposits $ 110.17 million
      Deposits held in domestic offices $ 171.37 million
      % insured (estimated) 72.68%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 12.78 million
Subordinated debt N.A.
All other liabilities $ 1.05 million
      Total Liabilities $ 185.20 million
      Shareholders’ Equity $ 23.60 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.67 million
Total Interest Expense $ 0.40 million
Net interest income $ 2.27 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 0.10 million
Total non interest expense $ 1.56 million
Pre-tax Net Operating Income $ 0.79 million

Bank Loan Profile?

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

Compared to other banks, Community Valley Bank’s loan portfolio does not show any specific loan specialty.

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 6.53
Multifamily
Mortgages
14.54
Credit Card Loans 0.00
Consumer Auto Loans 0.02
Small Business Loans 0.00
Construction and Development Loans 6.37
Commercial Real Estate 54.62
Commercial and Industrial Loans 12.45
Farm Loans 1.76

Frequently Asked Questions About Community Valley Bank

Branches and Savings

Is Community Valley Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58500.

Why does Community 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 Community Valley Bank CD rates not competitive?

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

Is Community Valley Bank a commercial bank?

Yes

Where are Community Valley Bank locations?

See branch locations nearby.

Is Community Valley Bank open on Saturdays?

Is Community Valley Bank open on Sundays?

What time does Community Valley Bank open?

What time does Community Valley Bank close?

Are Community Valley Bank ATMs Open 24/7?

Do Community Valley Bank ATMs accept cash deposits?

Can Community Valley Bank customers use other ATMs?

Do Community Valley Bank branches have notaries?

Will Community Valley Bank notarize my document?

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

Will the Community Valley Bank branch print checks?

Do Community Valley Bank checks expire?

Does Community Valley Bank require US citizenship to open account?

Can Community Valley Bank close my account?

Does Community Valley Bank Report to credit bureaus?

Does Community Valley Bank Use Equifax?

What is Community Valley Bank's ACH Routing Number?

What is Community Valley Bank's SWIFT code?

Products

Does Community Valley Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Community Valley Bank offer personal loans?

Compare personal loan rates here.

Does Community Valley Bank offer student loans?

Will Community Valley Bank cash a check?

Will Community Valley Bank redeem a savings bond?

Does Community Valley Bank cash savings bonds?

Will Community Valley Bank cash money orders?

Can Community Valley Bank issue a money order?

Does Community Valley Bank do currency exchange?

Background on The Bank

Who owns Community Valley Bank?

How long has Community Valley Bank been around?

Can Community Valley Bank transfer to other banks?

Does Community Valley Bank have quick pay?

Does Community Valley Bank accept rolled coins?

Will Community Valley Bank accept loose change?

Where is Community Valley Bank headquarters?

Customer Reviews for Community Valley Bank


  • March 17, 2015

    I called this bank to start a CD and was told needed $250,000 to get the offered rate??? The page shows $10,000 as a minimum amount. Very False advertising and a waste of time for many.

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