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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 58500 · CA F · 14/100

GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-UNK · TEXAS-UNK · ROA-PAR · SIZE-MID · BOOK-MID

  • GRADE-F F (14/100)
  • BOTTOM-DECILE #4304/4307
  • PHOTO-FINISH Summit National Bank · WY
  • TIER1-UNK Tier 1 blank
  • TEXAS-UNK Texas blank
  • ROA-PAR 0.91% ROA
  • SIZE-MID $100M–1B
  • BOOK-MID 5/9 fields

Nearest health peer outside California: Summit National Bank, WY (±2 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Community Valley Bank

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Columbia Savings and… · WI ·…18/100First & Peoples Bank… · KY ·…18/100Walden Mutual Bank · NH · ne…18/100Summit National Bank · WY · …16/100Community Valley Bank · CA ·…14/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Community Valley Bank · July 2026

Call Report read for Community Valley Bank in a high-failure state

Community Valley Bank (FDIC Cert #58500) carries a PlainBankData health grade of F at 14/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,304 of 4,307. Return on assets is 0.91%. Balance-sheet scale is $325M, 2,375th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Summit National Bank (WY), ±2 health points away. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Community Valley Bank

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

Community Valley Bank sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Community Valley Bank's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

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.

0/100100/100National avg77/10014/100
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 Assets

$325M

Total balance-sheet footings

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

14 0th percentile higher than 0% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). This entry sits in this band. 20–30: 26 FDIC-insured banks (1%). Above this entry. 30–40: 36 FDIC-insured banks (1%). Above this entry. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Community Valley Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Community Valley Bank

Tier 1 Capital Ratio
-
Texas Ratio
-
Equity Capital
$33M

What these ratios mean →

Profitability metrics: Community Valley Bank

Return on Assets (ROA)
36th percentile nationally
0.91%
Return on Equity (ROE)
8.31%
Efficiency Ratio
-

What these mean →

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.

FDIC Failed Bank List → View Community Valley Bank on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($325M here), outside California so the neighborhood is not state containment.

Douglas National Bank $325M · GA Reliance Bank $325M · MN Goppert State Service Bank $324M · KS The Havana National Bank $325M · IL

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.

Community Valley Bank Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
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%