Pacific Valley Bank
Salinas, CA
IDRSSD: 3293540
Total Assets
$710.33M
Latest filing
Total Deposits
$629.99M
Latest filing
Net Interest Margin
3.76%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
121143833SALINAS, CA
Key People
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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 01/30/2026Established 09/14/2004FDIC Certificate 423295
Branches (4)
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 |
| SANTA CRUZ BRANCH | 720 Front St | Santa Cruz, CA |
Showing 4 of 4
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 | 61 |
| 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 | 01/30/2026 |
| CERT | 57740 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $710.33M |
| Total Deposits | $629.99M |
| Total Liabilities | $633.49M |
| Total Equity Capital | $76.84M |
| Net Income | $935.00k |
| Net Loans and Leases | $527.94M |
| Assets Per Employee ($Millions) | $11.84M |
| Bank Premises and Fixed Assets | $4.74M |
| Cash and Balances due from Depository Institutions | $140.30M |
| Deposits Held in Domestic Offices | $629.99M |
Key Performance Ratios
| Return on Assets (ROA) | 0.57% |
| Return on Equity (ROE) | 4.89% |
| Net Interest Margin | 3.76% |
| Efficiency Ratio | 74.02% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.817% |
| Earning Assets to total Assets | 96.21% |
Income and Expense
| Total Interest Income | $8.43M |
| Total Noninterest Income | $364.00k |
| Total Interest Expense | $2.57M |
| Total Noninterest Expense | $4.61M |
| Net Interest Income | $5.86M |
| Pre-tax Net Operating Income | $1.34M |
| Provision for Credit Losses | $281.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $3.50M |
| Total Liabilities and Capital | $710.33M |
Securities
| Securities | $23.24M |
| Available-for-sale debt securities | $23.24M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$710.33M as of the latest filing.
How much are Pacific Valley Bank's total deposits?
$629.99M in total deposits.
Where is Pacific Valley Bank located?
Salinas, CA.
What is the Net Interest Margin?
3.76%.
How many domestic offices does it operate?
4.
When was it established?
09/14/2004.
What is the Return on Assets (ROA)?
0.57%.
How much are total loans and leases?
$527.94M (latest filing).
What is the total interest income (latest filing)?
$8.43M.