Premier Valley Bank

255 East River Park Circle Suite 180
Fresno, CA 93720

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57098
Date Established 2001
Assets $0.85 billion
Loans $0.50 billion
Deposits $0.64 billion
Capital $0.14 billion

Premier Valley Bank is an FDIC insured institution located in Fresno, CA. It was founded in 2001 and has approximately $0.85 billion in assets. Customers can open an account at one of its 10 branches.

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

Bank Loan Profile?

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

Compared to other banks, Premier 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 8.79
Multifamily
Mortgages
2.43
Credit Card Loans 0.05
Consumer Auto Loans 0.07
Small Business Loans 10.15
Construction and Development Loans 10.10
Commercial Real Estate 46.43
Commercial and Industrial Loans 23.38
Farm Loans 0.00

Deposit Rates - May 26, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $2,500 $4,999 Learn MoreShow Less
Money Market
0.06% $10,000 $24,999 Learn MoreShow Less
Money Market
0.06% $25,000 $99,999 Learn MoreShow Less
Premium Money Market Account
0.03% $1 $24,999 Learn MoreShow Less
Premium Money Market Account
0.15% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.05% $1 - Learn MoreShow Less
6 Mo CD
0.10% $1 - Learn MoreShow Less
12 Mo CD
0.25% $1 - Learn MoreShow Less
18 Mo CD
0.25% $1 - Learn MoreShow Less
24 Mo CD
0.30% $1 - Learn MoreShow Less
36 Mo CD
0.40% $1 - Learn MoreShow Less
48 Mo CD
0.50% $1 - Learn MoreShow Less
60 Mo CD
0.60% $1 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.25% $1 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.05% $1 - Learn MoreShow Less

Loan Rates - May 26, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Premier Valley 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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.902% 3.875% 0.38 $832 $1,176 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

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

Branches

Premier 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:
Ashburn,Virginia


Premier Valley Bank Locations


Financial Details

Premier Valley Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Premier 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
Premier Valley Bank U.S. Bank Average
3% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 December 31, 2018, Premier Valley Bank had $4,269,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $138,737,000 in equity and $3,382,000 in loans loss reserves. That gives it a Texas Ratio of 3%.

Return on Equity
Premier Valley Bank U.S. Bank Average
7.95% 8.80%

Premier Valley Bank has a Return on Equity of 7.95% versus the BestCashCow average of 8.80%. 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
Premier Valley Bank U.S. Bank Average
16.33% 12.29%

Premier Valley Bank has a Capitalization of 16.33% versus the BestCashCow average of 12.29. 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.

Premier Valley Bank Balance Sheet Analysis

As of December 31, 2018, Premier Valley Bank had assets of $849,696,000, loans of $504,975,000, and deposits of $639,194,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.23 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.50 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.06 billion
All other assets $0.03 billion
     Total Assets $0.71 billion
LIABILITIES
Total deposits $0.64 billion
      Interest-bearing deposits $0.34 billion
      Deposits held in domestic offices $0.64 billion
      % insured (estimated) 68.52%
Federal funds purchased and repurchase agreements $0.02 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.05 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.71 billion
      Shareholders’ Equity $0.14 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.03 billion
Total Interest Expense $0.00 billion
Net interest income $0.03 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Premier Valley Bank

Branches and Savings

Is Premier Valley Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57098.

Why does Premier 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 Premier Valley Bank CD rates not competitive?

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

Is Premier Valley Bank a commercial bank?

Yes

Where are Premier Valley Bank locations?

See branch locations nearby.

Is Premier Valley Bank open on Saturdays?

Is Premier Valley Bank open on Sundays?

What time does Premier Valley Bank open?

What time does Premier Valley Bank close?

Are Premier Valley Bank ATMs Open 24/7?

Do Premier Valley Bank ATMs accept cash deposits?

Can Premier Valley Bank customers use other ATMs?

Do Premier Valley Bank branches have notaries?

Will Premier Valley Bank notarize my document?

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

Will the Premier Valley Bank branch print checks?

Do Premier Valley Bank checks expire?

Does Premier Valley Bank require US citizenship to open account?

Can Premier Valley Bank close my account?

Does Premier Valley Bank Report to credit bureaus?

Does Premier Valley Bank Use Equifax?

What is Premier Valley Bank's ACH Routing Number?

What is Premier Valley Bank's SWIFT code?

Products

Does Premier Valley Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Premier Valley Bank offer personal loans?

Compare personal loan rates here.

Does Premier Valley Bank offer student loans?

Will Premier Valley Bank cash a check?

Will Premier Valley Bank redeem a savings bond?

Does Premier Valley Bank cash savings bonds?

Will Premier Valley Bank cash money orders?

Can Premier Valley Bank issue a money order?

Does Premier Valley Bank do currency exchange?

Background on The Bank

Who owns Premier Valley Bank?

How long has Premier Valley Bank been around?

Can Premier Valley Bank transfer to other banks?

Does Premier Valley Bank have quick pay?

Does Premier Valley Bank accept rolled coins?

Will Premier Valley Bank accept loose change?

Where is Premier Valley Bank headquarters?

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