Pacific Valley Bank
Salinas, CA
IDRSSD: 3293540
Total Assets
$596.59M
Latest filing
Total Deposits
$515.74M
Latest filing
Net Interest Margin
3.78%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Pacific Valley Bank
422 Main St
Salinas, CA 93901
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/14/2004FDIC Certificate 423295
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Pacific Valley Bank (Main) | 422 Main St | Salinas, CA |
| KING CITY BRANCH | 302 Broadway St | King City, CA |
| MONTEREY BRANCH | 498 Alvarado St | Monterey, CA |
| TAYLOR BRANCH | 150 Main St | Salinas, CA |
Showing 3 of 3
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/14/2004 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 93901 |
| State and County Number | 06053 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Salinas, CA |
Operational Info
| Number of Employees | 63 |
| Domestic Offices | 4 |
| 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 | 09/14/2004 |
| Primary Insurance Agency | DIF |
| Website | www.pacificvalleybank.com |
| Data Updated | 11/14/2025 |
| CERT | 57740 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $596.59M |
| Total Deposits | $515.74M |
| Total Liabilities | $520.36M |
| Total Equity Capital | $76.22M |
| Net Income | $1.12M |
| Net Loans and Leases | $510.74M |
| Assets Per Employee ($Millions) | $9.78M |
| Bank Premises and Fixed Assets | $4.63M |
| Cash and Balances due from Depository Institutions | $42.70M |
| Deposits Held in Domestic Offices | $515.74M |
Key Performance Ratios
| Return on Assets (ROA) | 0.76% |
| Return on Equity (ROE) | 5.92% |
| Net Interest Margin | 3.78% |
| Efficiency Ratio | 71.68% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.777% |
| Earning Assets to total Assets | 94.68% |
Income and Expense
| Total Interest Income | $7.94M |
| Total Noninterest Income | $385.00k |
| Total Interest Expense | $2.71M |
| Total Noninterest Expense | $4.02M |
| Net Interest Income | $5.22M |
| Pre-tax Net Operating Income | $1.59M |
| Provision for Credit Losses | $0 |
| 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 | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.63M |
| Total Liabilities and Capital | $596.59M |
Securities
| Securities | $24.87M |
| Available-for-sale debt securities | $24.87M |
| 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 Pacific Valley Bank?
$596.59M as of the latest filing.
How much are Pacific Valley Bank's total deposits?
$515.74M in total deposits.
Where is Pacific Valley Bank located?
Salinas, CA.
What is the Net Interest Margin?
3.78%.
How many domestic offices does it operate?
4.
When was it established?
09/14/2004.
What is the Return on Assets (ROA)?
0.76%.
How much are total loans and leases?
$510.74M (latest filing).
What is the total interest income (latest filing)?
$7.94M.