Oak Valley Community Bank
Oakdale, CA
IDRSSD: 1864197
Total Assets
$2.00B
Latest filing
Total Deposits
$1.78B
Latest filing
Net Interest Margin
4.28%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Oak Valley Community Bank
125 N 3rd Ave
Oakdale, CA 95361
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/28/1991FDIC Certificate 47142
Branches (19)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Oak Valley Community Bank (Main) | 125 N 3rd Ave | Oakdale, CA |
| OAKDALE BRANCH | 125n. Third Avenue | Oakdale, CA |
| SONORA - EAST BRANCH | 14890 Mono Way | Sonora, CA |
| 12TH & I | 1200 I St # 3 | Modesto, CA |
| BRIDGEPORT BRANCH | 166 Main St | Bridgeport, CA |
| MAMMOTH LAKES BRANCH | 307 Old Mammoth Rd | Mammoth Lakes, CA |
| BISHOP BRANCH | 351 N Main St | Bishop, CA |
| MODESTO DALE BRANCH | 4120 Dale Rd | Modesto, CA |
Showing 7 of 19
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 05/28/1991 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 95361 |
| State and County Number | 06099 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Modesto, CA |
Operational Info
| Number of Employees | 231 |
| Domestic Offices | 19 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/28/1991 |
| Primary Insurance Agency | DIF |
| Website | www.ovcb.com |
| Data Updated | 11/14/2025 |
| CERT | 33457 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.00B |
| Total Deposits | $1.78B |
| Total Liabilities | $1.80B |
| Total Equity Capital | $197.97M |
| Net Income | $6.97M |
| Net Loans and Leases | $1.10B |
| Assets Per Employee ($Millions) | $8.42M |
| Bank Premises and Fixed Assets | $25.34M |
| Cash and Balances due from Depository Institutions | $225.47M |
| Deposits Held in Domestic Offices | $1.78B |
Key Performance Ratios
| Return on Assets (ROA) | 1.42% |
| Return on Equity (ROE) | 14.55% |
| Net Interest Margin | 4.28% |
| Efficiency Ratio | 58.13% |
| Tier 1 Risk-Based Capital Ratio | 15.214% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.922% |
| Earning Assets to total Assets | 92.8% |
Income and Expense
| Total Interest Income | $22.66M |
| Total Noninterest Income | $1.79M |
| Total Interest Expense | $3.32M |
| Total Noninterest Expense | $12.30M |
| Net Interest Income | $19.34M |
| Pre-tax Net Operating Income | $8.88M |
| Provision for Credit Losses | $-60,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $21.68M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $22.25M |
| Total Liabilities and Capital | $2.00B |
Securities
| Securities | $534.02M |
| Available-for-sale debt securities | $530.66M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Oak Valley Community Bank?
$2.00B as of the latest filing.
How much are Oak Valley Community Bank's total deposits?
$1.78B in total deposits.
Where is Oak Valley Community Bank located?
Oakdale, CA.
What is the Net Interest Margin?
4.28%.
How many domestic offices does it operate?
19.
When was it established?
05/28/1991.
What is the Return on Assets (ROA)?
1.42%.
How much are total loans and leases?
$1.10B (latest filing).
What is the total interest income (latest filing)?
$22.66M.