Oak Valley Community Bank

Headquarters

125 North Third Avenue
Oakdale, CA 95361
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.03% 1.20% →
1-Year CD 0.20% 1.10% →
2-Year CD 0.35% 1.15% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Oak Valley Community Bank is an FDIC insured institution located in Oakdale, CA. It was founded in 1991 and has approximately $1.16 billion in assets. Customers can open an account at one of its 17 branches.

FDIC Insured Yes
FDIC Certificate # 33457
Date Established 1991
Assets $ 1,156.48 million
Loans $ 749.73 million
Deposits $ 1,027.13 million
Capital $ 114.03 million
 

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

Deposit Rates - August 5, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.03% $2,500 $4,999 Learn More
Money Market
0.03% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.07% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.05% $10,000 $14,999 Learn More
3 Mo CD
0.05% $100,000 $199,999 Learn More
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.10% $100,000 $199,999 Learn More
12 Mo CD
0.20% $10,000 $14,999 Learn More
12 Mo CD
0.20% $100,000 $199,999 Learn More
18 Mo CD
0.20% $10,000 $14,999 Learn More
18 Mo CD
0.20% $100,000 $199,999 Learn More
24 Mo CD
0.35% $10,000 $14,999 Learn More
24 Mo CD
0.35% $100,000 $199,999 Learn More
36 Mo CD
0.50% $10,000 $14,999 Learn More
36 Mo CD
0.50% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 5, 2020

Your Current Location: Virginia, VA 20146

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

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




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.930% 2.875% 0.75 $1,762 $1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

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

Branches

Oak Valley Community 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:
Ashburn,Virginia


Oak Valley Community Bank Locations


Financial Details

Oak Valley Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Oak 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
Oak Valley Community Bank U.S. Bank Average
0.78% 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, Oak Valley Community Bank had $960,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $114,030,000 in equity and $9,586,000 in loans loss reserves. That gives it a Texas Ratio of 0.78%.

Return on Equity
Oak Valley Community Bank U.S. Bank Average
10.11% 7.80%

Oak Valley Community Bank has a Return on Equity of 10.11% 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
Oak Valley Community Bank U.S. Bank Average
9.86% 12.68%

Oak Valley Community Bank has a Capitalization of 9.86% 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.

Oak Valley Community Bank Balance Sheet Analysis

As of March 31, 2020, Oak Valley Community Bank had assets of $1,156,478,000, loans of $749,726,000, and deposits of $1,027,125,000. 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 $ 72.88 million
Interest-bearing balances $ 46.14 million
Total securities $ 248.53 million
Federal funds sold and reverse repurchase $ 19.93 million
Net loans and leases $ 749.73 million
Loan loss allowance $ 9.59 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 3.81 million
All other assets $ 42.36 million
     Total Assets $ 1,042.45 million
LIABILITIES
Total deposits $ 1,027.13 million
      Interest-bearing deposits $ 616.25 million
      Deposits held in domestic offices $ 1,027.13 million
      % insured (estimated) 54.12%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 4.44 million
Subordinated debt N.A.
All other liabilities $ 10.88 million
      Total Liabilities $ 1,042.45 million
      Shareholders’ Equity $ 114.03 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 10.63 million
Total Interest Expense $ 0.33 million
Net interest income $ 10.30 million
Provision for loan and lease losses $ 0.45 million
Total non interest income $ 1.13 million
Total non interest expense $ 7.21 million
Pre-tax Net Operating Income $ 3.78 million

Bank Loan Profile?

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

Compared to other banks in California, Oak 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 5.46
Multifamily
Mortgages
6.23
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 12.28
Construction and Development Loans 7.66
Commercial Real Estate 59.72
Commercial and Industrial Loans 7.72
Farm Loans 3.29

Frequently Asked Questions About Oak Valley Community Bank

Branches and Savings

Is Oak Valley Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #33457.

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

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

Why are Oak Valley Community Bank CD rates not competitive?

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

Is Oak Valley Community Bank a commercial bank?

Yes

Where are Oak Valley Community Bank locations?

See branch locations nearby.

Is Oak Valley Community Bank open on Saturdays?

Is Oak Valley Community Bank open on Sundays?

What time does Oak Valley Community Bank open?

What time does Oak Valley Community Bank close?

Are Oak Valley Community Bank ATMs Open 24/7?

Do Oak Valley Community Bank ATMs accept cash deposits?

Can Oak Valley Community Bank customers use other ATMs?

Do Oak Valley Community Bank branches have notaries?

Will Oak Valley Community Bank notarize my document?

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

Will the Oak Valley Community Bank branch print checks?

Do Oak Valley Community Bank checks expire?

Does Oak Valley Community Bank require US citizenship to open account?

Can Oak Valley Community Bank close my account?

Does Oak Valley Community Bank Report to credit bureaus?

Does Oak Valley Community Bank Use Equifax?

What is Oak Valley Community Bank's ACH Routing Number?

What is Oak Valley Community Bank's SWIFT code?

Products

Does Oak Valley Community Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Oak Valley Community Bank offer personal loans?

Compare personal loan rates here.

Does Oak Valley Community Bank offer student loans?

Will Oak Valley Community Bank cash a check?

Will Oak Valley Community Bank redeem a savings bond?

Does Oak Valley Community Bank cash savings bonds?

Will Oak Valley Community Bank cash money orders?

Can Oak Valley Community Bank issue a money order?

Does Oak Valley Community Bank do currency exchange?

Background on The Bank

Who owns Oak Valley Community Bank?

How long has Oak Valley Community Bank been around?

Can Oak Valley Community Bank transfer to other banks?

Does Oak Valley Community Bank have quick pay?

Does Oak Valley Community Bank accept rolled coins?

Will Oak Valley Community Bank accept loose change?

Where is Oak Valley Community Bank headquarters?

Customer Reviews for Oak Valley Community Bank

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

Add Your Review

Rate it here →