TellerScore

Headquartered in Oakdale, California, Oak Valley Community Bank is a state-chartered bank (fed member) with $2.0B in total assets and $1.8B in deposits as of Q2 2026. It operates 20 offices. Its charter dates back to 1991.

Based on its Q2 2026 filing, Oak Valley Community Bank scores 76/100, which we describe as strong. That is higher than 80% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 30th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (59/100; 65% loans-to-deposits, 47% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.48%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 65.3% · 46.9% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.16%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 76).

TellerScore
717476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202476
Q4 202475
Q1 202574
Q2 202575
Q3 202576
Q4 202572
Q1 202671
Q2 202676
Tier 1 leverage ratio
5.00%8.24%11.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.35%
Q3 202410.41%
Q4 202410.51%
Q1 202510.67%
Q2 202510.92%
Q3 202510.81%
Q4 202510.94%
Q1 202611.09%
Q2 202611.48%
Noncurrent loans
0.00%0.21%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.40%
Q1 20260.42%
Q2 20260.00%
Return on assets
1.10%1.26%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.32%
Q3 20241.41%
Q4 20241.39%
Q1 20251.15%
Q2 20251.18%
Q3 20251.26%
Q4 20251.27%
Q1 20261.10%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$2.0B11.48%0.00%1.11%65.3%
Q1 202671$2.0B11.09%0.42%1.10%63.6%
Q4 202572$2.0B10.94%0.40%1.27%63.0%
Q3 202576$2.0B10.81%0.00%1.26%61.9%
Q2 202575$1.9B10.92%0.00%1.18%64.1%
Q1 202574$1.9B10.67%0.00%1.15%62.9%
Q4 202475$1.9B10.51%0.00%1.39%64.5%
Q3 202476$1.9B10.41%0.00%1.41%62.8%
Q2 202475$1.8B10.35%0.00%1.32%64.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.48%
69th
Total risk-based capital16.53%
79th
Problem loans0.00%
96th
Net charge-offs0.31%
13th
Return on assets1.11%
38th
Net interest margin4.08%
73rd
Efficiency ratio64.0%
34th
Loans to deposits65.3%
89th
Uninsured deposits46.9%
13th
Loan-loss reserves0.96%
26th
Texas ratio1.2%
81st

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Mission BankBank Bakersfield, CA80 out of 100, Strong$2.0B12.2%0.02%vs
Montecito Bank & TrustBank Santa Barbara, CA69 out of 100, Moderate$2.0B11.3%0.17%vs
Beneficial State BankBank Oakland, CA43 out of 100, Below average$2.0B11.2%2.53%vs
Commonwealth Business BankBank Los Angeles, CA64 out of 100, Moderate$2.0B13.9%1.88%vs
First Northern Bank of DixonBank Dixon, CA74 out of 100, Strong$1.9B12.0%0.41%vs
Plumas BankBank Quincy, CA67 out of 100, Moderate$2.3B11.8%1.55%vs

Deposit insurance

Is my money safe at Oak Valley Community Bank?

Yes. Oak Valley Community Bank is an FDIC-insured institution (FDIC certificate #33457). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 46.9% of deposits ($827.2M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.48%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.53% (benchmark: 10%).

Check how much of your own balance is covered

20 locations

Branches

Oak Valley Community Bank lists 20 offices in 16 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Oak Valley Community Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
33457
RSSD ID
1864197
Primary regulator
FED
Holding company
Oak Valley Bcorp
Established
May 28, 1991
Headquarters
125 N 3rd Ave, Oakdale, CA 95361
Employees
246

Quick answers

Oak Valley Community Bank: common questions

Is Oak Valley Community Bank FDIC insured?

Yes. Oak Valley Community Bank is an FDIC-insured institution (FDIC certificate #33457). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Oak Valley Community Bank's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Oak Valley Community Bank ever failed?

There is no failure record for FDIC certificate #33457 in the FDIC failed bank list.

How many branches does Oak Valley Community Bank have?

20 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Oakdale

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA79 out of 100, Strong$5.8B11.7%0.13%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs
BAC Community BankBank Stockton, CA75 out of 100, Strong$761.9M11.4%0.18%vs
Rolling F Credit UnionCredit union Turlock, CA75 out of 100, Strong$63.9M12.0%0.80%vs