Total Assets
$325M
Total balance-sheet footings
FDIC Cert #58500 · El Centro, California · Est. 2007
Community Valley Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $325M
- Total assets
- F
- Health grade · At Risk
- 0.91%
- Return on assets
- -
- Tier 1 capital
Data updated July 2026
The verdict
Community Valley Bank earns a PlainBankData health grade of F (14/100), with 0.91% ROA.
- #2,375
- largest of 4,313 FDIC banks by assets
- 45th
- percentile by asset size, nationally
- 36th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Community Valley Bank's 14/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Community Valley Bank's composite health score
Tier 1 Capital Ratio (N/A) 0/40
Return on Assets (ROA) (0.91%) 14/25
Texas Ratio (N/A) 0/20
Efficiency Ratio (N/A) 0/15
14 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$285M
Customer-funded liabilities
Net Loans
-
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Where Community Valley Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Valley Bank's score of 14/100 falls in the highlighted band.
Community Valley Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community Valley Bank's $325M falls in the highlighted band.
Profitability metrics
Return on Assets (ROA)
36th percentile nationally
0.91%
Return on Equity (ROE)
8.31%
Efficiency Ratio
-
What the numbers say about Community Valley Bank
Community Valley Bank is an FDIC-insured institution (Certificate #58500) headquartered in El Centro, California, established in 2007. It holds $325M in total assets - 2,375th of 4,313 FDIC-insured banks, $285M in customer deposits, and - in net loans. This bank has not yet filed a Call Report with capital-ratio detail (common for a recently chartered institution), so a safety assessment isn't available yet. That combination rolls up into a PlainBankData health grade of F (14 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Community Valley Bank sits 97th of 121 banks headquartered in California by total assets, placing it in the middle tier of the state's banking landscape.
What to watch at Community Valley Bank
Community Valley Bank's grade of F reflects specific pressure points in the FDIC Call Report.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Community Valley Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community Valley Bank (FDIC Cert #58500) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is Community Valley Bank's health grade?▼
Community Valley Bank receives a health grade of F (14/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Community Valley Bank?▼
Community Valley Bank holds $325M in total assets and $285M in deposits, ranking 2,375th of 4,313 FDIC-insured banks by asset size. It is headquartered in El Centro, California.
Is my money safe at Community Valley Bank?▼
Yes, deposits at Community Valley Bank (Certificate #58500) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What to do with this
How to read Community Valley Bank's profile as a depositor or analyst.
- Community Valley Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community Valley Bank against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.