Ojai Community Bank

Headquarters

402 West Ojai Avenue
Ojai, CA 93023
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 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

Ojai Community Bank is an FDIC insured institution located in Ojai, CA. It was founded in 2005 and has approximately $0.28 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 57850
Date Established 2005
Assets $ 275.29 million
Loans $ 220.22 million
Deposits $ 231.88 million
Capital $ 25.50 million
 

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

Deposit Rates - September 19, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - September 19, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Ojai 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
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,118 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 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
See Table
2.990 %
$0 Learn More
More Info

Note to Ojai Community Bank
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Branches

Ojai 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


Ojai Community Bank Locations


Financial Details

Ojai Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ojai 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
Ojai Community Bank U.S. Bank Average
11.92% 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, Ojai Community Bank had $0 in non-current loans and $3,377,000 in owned real estate. To cover these potential losses it had $25,496,000 in equity and $2,825,000 in loans loss reserves. That gives it a Texas Ratio of 11.92%.

Return on Equity
Ojai Community Bank U.S. Bank Average
7.84% 7.80%

Ojai Community Bank has a Return on Equity of 7.84% 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
Ojai Community Bank U.S. Bank Average
9.26% 12.68%

Ojai Community Bank has a Capitalization of 9.26% 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.

Ojai Community Bank Balance Sheet Analysis

As of September 30, 2017, Ojai Community Bank had assets of $275,000,000, loans of $220,222,000, and deposits of $231,884,000. 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 $ 220.22 million
Loan loss allowance $ 2.83 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 3.38 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 231.88 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 $ 275.29 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 Ojai Community Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Ojai Community 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 28.49
Multifamily
Mortgages
5.88
Credit Card Loans 0.00
Consumer Auto Loans 0.05
Small Business Loans 0.00
Construction and Development Loans 5.06
Commercial Real Estate 47.44
Commercial and Industrial Loans 12.83
Farm Loans 0.00

Frequently Asked Questions About Ojai Community Bank

Branches and Savings

Is Ojai Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57850.

Why does Ojai 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 Ojai Community Bank CD rates not competitive?

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

Is Ojai Community Bank a commercial bank?

Yes

Where are Ojai Community Bank locations?

See branch locations nearby.

Is Ojai Community Bank open on Saturdays?

Is Ojai Community Bank open on Sundays?

What time does Ojai Community Bank open?

What time does Ojai Community Bank close?

Are Ojai Community Bank ATMs Open 24/7?

Do Ojai Community Bank ATMs accept cash deposits?

Can Ojai Community Bank customers use other ATMs?

Do Ojai Community Bank branches have notaries?

Will Ojai Community Bank notarize my document?

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

Will the Ojai Community Bank branch print checks?

Do Ojai Community Bank checks expire?

Does Ojai Community Bank require US citizenship to open account?

Can Ojai Community Bank close my account?

Does Ojai Community Bank Report to credit bureaus?

Does Ojai Community Bank Use Equifax?

What is Ojai Community Bank's ACH Routing Number?

What is Ojai Community Bank's SWIFT code?

Products

Does Ojai Community Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Ojai Community Bank offer personal loans?

Compare personal loan rates here.

Does Ojai Community Bank offer student loans?

Will Ojai Community Bank cash a check?

Will Ojai Community Bank redeem a savings bond?

Does Ojai Community Bank cash savings bonds?

Will Ojai Community Bank cash money orders?

Can Ojai Community Bank issue a money order?

Does Ojai Community Bank do currency exchange?

Background on The Bank

Who owns Ojai Community Bank?

How long has Ojai Community Bank been around?

Can Ojai Community Bank transfer to other banks?

Does Ojai Community Bank have quick pay?

Does Ojai Community Bank accept rolled coins?

Will Ojai Community Bank accept loose change?

Where is Ojai Community Bank headquarters?

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