Pacific Valley Bank is a state-chartered bank headquartered in Salinas, California, in business for about 22 years. At the end of Q2 2026 it reported $653.3M in total assets and $570.5M in deposits, with 5 offices.
Pacific Valley Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 56th. Problem-loan coverage contributes the most (97/100, 1.5%); funding & liquidity contributes the least (26/100, 95% loans-to-deposits, 51% uninsured).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 3 points (73 → 70), mostly because the capital cushion component weakened by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 73 |
| Q4 2024 | 75 |
| Q1 2025 | 73 |
| Q2 2025 | 73 |
| Q3 2025 | 72 |
| Q4 2025 | 70 |
| Q1 2026 | 66 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.75% |
| Q3 2024 | 13.17% |
| Q4 2024 | 13.33% |
| Q1 2025 | 13.27% |
| Q2 2025 | 13.37% |
| Q3 2025 | 13.03% |
| Q4 2025 | 12.74% |
| Q1 2026 | 12.51% |
| Q2 2026 | 12.60% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.22% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.24% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 0.93% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.73% |
| Q2 2025 | 0.73% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.87% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $653.3M | 12.60% | 0.24% | 0.87% | 94.5% |
| Q1 2026 | 66 | $627.9M | 12.51% | 0.60% | 0.79% | 95.5% |
| Q4 2025 | 70 | $710.3M | 12.74% | 0.22% | 0.68% | 83.8% |
| Q3 2025 | 72 | $596.6M | 13.03% | 0.05% | 0.74% | 99.0% |
| Q2 2025 | 73 | $572.6M | 13.37% | 0.05% | 0.73% | 100.1% |
| Q1 2025 | 73 | $564.1M | 13.27% | 0.03% | 0.73% | 101.0% |
| Q4 2024 | 75 | $655.8M | 13.33% | 0.03% | 0.89% | 82.5% |
| Q3 2024 | 73 | $551.2M | 13.17% | 0.24% | 0.93% | 97.8% |
| Q2 2024 | 74 | $534.1M | 13.75% | 0.22% | 0.93% | 97.4% |
2,650 peers · $100 million – $1 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).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |
| Golden Valley BankBank Chico, CA | 72 out of 100, Strong | $604.7M | 9.3% | 0.00% | vs |
| Partners Bank of CaliforniaBank Mission Viejo, CA | 73 out of 100, Strong | $602.2M | 11.7% | 0.00% | vs |
| Redwood Capital BankBank Eureka, CA | 76 out of 100, Strong | $566.0M | 11.0% | 0.13% | vs |
| BAC Community BankBank Stockton, CA | 75 out of 100, Strong | $761.9M | 11.4% | 0.18% | vs |
| Mission Valley BankBank Sun Valley, CA | 54 out of 100, Below average | $782.0M | 11.0% | 1.94% | vs |
Deposit insurance
Is my money safe at Pacific Valley Bank?
Yes. Pacific Valley Bank is an FDIC-insured institution (FDIC certificate #57740). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 50.7% of deposits ($289.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Pacific Valley Bank lists 4 offices in 4 cities. Most locations:
- King City, CA (1)
- Monterey, CA (1)
- Salinas, CA (1)
- Santa Cruz, CA (1)
Identity & history
Profile
- Legal name
- Pacific Valley Bank
- Type
- State-chartered bank
- FDIC certificate #
- 57740
- RSSD ID
- 3293540
- Primary regulator
- FDIC
- Holding company
- Pacific Valley Bcorp
- Established
- September 14, 2004
- Headquarters
- 150 Main St, Salinas, CA 93901
- Website
- www.pacificvalleybank.com
- Employees
- 59
Quick answers
Pacific Valley Bank: common questions
Is Pacific Valley Bank FDIC insured?
Yes. Pacific Valley Bank is an FDIC-insured institution (FDIC certificate #57740). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pacific Valley Bank's TellerScore?
70 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 Pacific Valley Bank ever failed?
There is no failure record for FDIC certificate #57740 in the FDIC failed bank list.
How many branches does Pacific Valley Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Salinas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| West Coast Community BankBank Santa Cruz, CA | 75 out of 100, Strong | $2.9B | 12.0% | 0.50% | vs |
| Citizens Business Bank, National AssociationBank Ontario, CA | 73 out of 100, Strong | $21.2B | 11.4% | 0.14% | vs |
| Bay Federal Credit UnionCredit union Capitola, CA | 71 out of 100, Strong | $1.9B | 9.8% | 0.31% | vs |
| Navy Federal Credit UnionCredit union Vienna, VA | 66 out of 100, Moderate | $204.4B | 11.7% | 1.58% | vs |
| Mechanics BankBank Walnut Creek, CA | 65 out of 100, Moderate | $21.2B | 9.4% | 0.41% | vs |
| UMB Bank, National AssociationBank Kansas City, MO | 65 out of 100, Moderate | $71.9B | 8.9% | 0.34% | vs |