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Oak Valley Community Bank
Oakdale, CA · FDIC Certificate #33457 · Chartered 05/2
Total assets
$2.00B
Total deposits
$1.76B
Total equity
$215.97M
Net loans
$1.15B
Branches (offices)
20
Net income (YTD)
$11.12M
Rank: #606 of 4,213 U.S. banks by assets · #44 of 115 in California. Assets changed 4.2% and deposits 3.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.11% |
| Return on equity | 10.61% |
| Net interest margin (YTD) | 4.08% |
| Equity to assets | 10.79% |
| Tier 1 leverage ratio | 11.48% |
| Uninsured deposits (share of deposits) | 46.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.31% |
| Loans to deposits | 65.3% |
| Real estate loans (share of loans) | 90.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.04B | 90.2% | |
| Commercial & industrial | $77.27M | 6.7% | |
| Consumer / individual | $624.00K | 0.1% | |
| Construction & development | $57.60M | 5.0% | |
| Agricultural | $37.47M | 3.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.99B | $1.85B | $6.96M | $118.45M |
| Jun 2023 | $1.86B | $1.68B | $17.91M | $146.84M |
| Jun 2024 | $1.84B | $1.65B | $12.03M | $171.12M |
| Jun 2025 | $1.92B | $1.71B | $11.33M | $185.41M |
| Jun 2026 | $2.00B | $1.76B | $11.12M | $215.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $1.76B | 20 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.76B.
Similar-sized banks
Mission Bank ($2.01B) · Bank Of Springfield ($2.00B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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