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Oak Valley Community Bank

$1B-$10B Specialty: Commercial CA FDIC cert 33457

Designations: ✓ Community bank

Oakdale, CA

20 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
  • Deposits +3.1% year over year ($1.8B on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.11%.
  • Efficiency ratio 64.00% vs a 59.73% peer average.
  • Loan-to-deposit ratio 65.32% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

Oak Valley Community Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.86% below tier average
  • + Net Interest Margin 0.21% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.2% in tier
  • - Credit Risk Growth: Bottom 13.4% in tier
  • - ROA 0.29% below tier average
  • - Efficiency Ratio 4.27% above tier average
Get updates when Oak Valley Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $2.0B
+4.2% YoY -0.4% QoQ
-$791.9M $2.8B
-0.6% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $1.2B
+5.1% YoY +1.8% QoQ
-$810.6M $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
41%
Total Deposits ? $1.8B
+3.1% YoY -1.0% QoQ
-$554.5M $2.3B
-0.5% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? 1.11%
-6.6% YoY +0.2% QoQ
-0.29% 1.39%
+17.0% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
38%
Net Interest Margin ? 4.08%
-0.4% YoY +0.1% QoQ
+0.21% 3.87%
+6.2% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
73%
Efficiency Ratio ? 64.00%
+4.1% YoY +1.3% QoQ
+4.27% 59.73%
-12.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
35%
Delinquency Rate ? 0.00%
-99.0% QoQ
-0.86% 0.87%
+11.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Top 3.3% in tier
Loan-to-Deposit Ratio ? 65.32%
+2.0% YoY +2.7% QoQ
-19.71% 85.04%
-0.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
Top 10.8% in tier
Non-Interest-Bearing Deposit Share ? 32.21%
-6.5% YoY -1.7% QoQ
+10.94% 21.27%
-1.5% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Top 11.3% in tier
Nonperforming Asset Ratio ? 0.13%
-44.6% QoQ
-0.54% 0.67%
+11.7% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
81%
Tier 1 Capital Ratio ? 15.72%
+5.9% YoY +2.0% QoQ
+0.88% 14.84%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
79%
Non-Interest Income / Assets ? 0.16%
+5.3% YoY +97.7% QoQ
-0.36% 0.53%
+2.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
22%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 32.2%
-2.3pp YoY
-0.6pp QoQ
 +10.8pp 21.4% 25.5% 22.2% 88%
Brokered Deposits n/a n/a 9.5% 11.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 6.7%
-0.5pp YoY
+0.7pp QoQ
 -7.3pp 14.0% 11.8% 12.5% 27%
CRE 79.5%
+1.7pp YoY
-1.1pp QoQ
 +29.5pp 50.0% 67.5% 41.4% 95%
1-4 Family 3.1%
+0.1pp YoY
-0.1pp QoQ
 -23.3pp 26.4% 16.5% 31.3% 4%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 5.3% 5.0% 8%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 15.7%
+0.9pp YoY
+0.3pp QoQ
 +0.1pp 15.6% 23.7% 19.7% 76%
Leverage Ratio 11.5%
+0.6pp YoY
+0.4pp QoQ
 +0.2pp 11.3% 14.5% 12.6% 69%
Total Capital Ratio 16.5%
+0.8pp YoY
+0.2pp QoQ
 -0.2pp 16.7% 25.1% 20.8% 73%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 246
+15 (+6.5%) YoY
+2 (+0.8%) QoQ
 -68 313 337 482 54%
Assets per Employee ($) $8.1M
-2.2% YoY
-1.2% QoQ
 -$2.3M $10.5M $11.3M $8.8M 42%
Branch Count 20
+1 (+5.3%) YoY
0 QoQ
 -0 20 15 18 65%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.0%
-0.4pp QoQ
 -0.8pp 0.8% 1.4% 1.0% 0%
Allowance Coverage 223.44x
+8154.0% QoQ
 +204.73x 18.71x 17.11x 20.23x 99%
Net Charge-off Rate (YTD) 0.3%
+0.3pp YoY
+0.3pp QoQ
 0.0pp 0.3% 0.3% 0.2% 86%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 10.6%
-1.7pp YoY
-0.2pp QoQ
 -2.0pp 12.6% 8.2% 11.6% 38%
Cost of Funds (YTD) 0.7%
0.0pp YoY
0.0pp QoQ
 -1.2pp 1.9% 1.9% 1.7% 2%
Net Income ($, YTD) $11.1M
-1.9% YoY
— QoQ
 -$8.1M $19.2M $28.5M $40.4M 44%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#2 of 492 • Bottom 0.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#55 of 402 • Bottom 13.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

30
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.87%
#30 of 882 Top 3.3% in $1B-$10B
97
Loan-to-Deposit Ratio
liquidity
Value: 65.32%
Peer Median: 85.04%
#97 of 885 Top 10.8% in $1B-$10B
101
Non-Interest-Bearing Deposit Share
funding
Value: 32.21%
Peer Median: 21.27%
#101 of 885 Top 11.3% in $1B-$10B
167
Nonperforming Asset Ratio
credit_quality
Value: 0.13%
Peer Median: 0.67%
#167 of 885 Top 18.8% in $1B-$10B
189
Tier 1 Capital Ratio
capital
Value: 15.72%
Peer Median: 14.84%
#189 of 885 Top 21.2% in $1B-$10B

Top Weaknesses (1 metrics)

687
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.53%
#687 of 885 Bottom 22.5% in $1B-$10B
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