Total Assets
$2.0B
Total balance-sheet footings
FDIC Cert #33457 · Oakdale, California · Est. 1991
Oak Valley Community Bank - FDIC Bank Health Profile
A community-scale look at Oak Valley Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.0B
- Total assets
- A
- Health grade · Excellent
- 1.27%
- Return on assets
- 15.3%
- Tier 1 capital
Data updated July 2026
The verdict
Oak Valley Community Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 15.27% Tier 1, profitable at 1.27% ROA, efficient (59% cost ratio).
- #595
- largest of 4,313 FDIC banks by assets
- 86th
- percentile by asset size, nationally
- 15.27%
- Tier 1 ratio - above the 10% well-capitalized line
- 62nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Oak Valley Community Bank's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Oak Valley Community Bank's composite health score
Tier 1 Capital Ratio (15.27%) 40/40
Return on Assets (ROA) (1.27%) 20/25
Texas Ratio (2.09%) 20/20
Efficiency Ratio (59.21%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.8B
Customer-funded liabilities
Net Loans
$1.1B
Outstanding loan book
Net Income
$25M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Oak Valley Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Oak Valley Community Bank's score of 92/100 falls in the highlighted band.
Oak Valley Community 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). Oak Valley Community Bank's $2.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.27% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.27%
Texas Ratio
2.09%
Equity Capital
$208M
Profitability metrics
Return on Assets (ROA)
62nd percentile nationally
1.27%
Return on Equity (ROE)
12.96%
Efficiency Ratio
59.21%
What the numbers say about Oak Valley Community Bank
Oak Valley Community Bank is an FDIC-insured institution (Certificate #33457) headquartered in Oakdale, California, established in 1991. It holds $2.0B in total assets - 595th of 4,313 FDIC-insured banks, $1.8B in customer deposits, and $1.1B in net loans. Its capital position: a Tier 1 ratio of 15.27%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.09% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Oak Valley Community Bank sits 44th of 121 banks headquartered in California by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$88M
Interest Income
$6M
Non-Interest Income
$48M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Oak Valley Community Bank reports a Texas Ratio of 2.09% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.09% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Oak Valley Community Bank (FDIC Cert #33457) - 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 Oak Valley Community Bank's health grade?▼
Oak Valley Community Bank receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Oak Valley Community Bank?▼
Oak Valley Community Bank holds $2.0B in total assets and $1.8B in deposits, ranking 595th of 4,313 FDIC-insured banks by asset size. It is headquartered in Oakdale, California.
Is my money safe at Oak Valley Community Bank?▼
Yes, deposits at Oak Valley Community Bank (Certificate #33457) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Oak Valley Community Bank's Tier 1 Capital Ratio?▼
Oak Valley Community Bank has a Tier 1 Capital Ratio of 15.27%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Oak Valley Community Bank?▼
Oak Valley Community Bank has a Texas Ratio of 2.09%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Oak Valley Community Bank?▼
Oak Valley Community Bank has an Efficiency Ratio of 59.21%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Oak Valley Community Bank's profile as a depositor or analyst.
- Oak Valley Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Oak Valley Community 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.