Oak Valley Community Bank (FDIC #33457): Bank Stress & Real-Estate Credit Exposure
Oak Valley Community Bank (FDIC Cert #33457): bank stress 66/100, elevated, STABLE over 7 days; parent OAK VALLEY BCORP.
Oak Valley Community Bank (#33457) lends in 7 counties across 1 state; Oak Valley Community Bank (#33457) reaches 187 ZIP codes: California 7 counties, 187 ZIPs.
Oak Valley Community Bank (#33457) largest markets: Sacramento County, CA (58 branches, 58 ZIPs) (#33457), San Joaquin County, CA (222 branches, 37 ZIPs) (#33457), Placer County, CA (34 branches, 34 ZIPs) (#33457), Stanislaus County, CA (196 branches, 28 ZIPs) (#33457), Tuolumne County, CA (34 branches, 17 ZIPs) (#33457), Inyo County, CA (14 branches, 14 ZIPs) (#33457).
Oak Valley Community Bank (#33457) reports $2.00 billion in total assets; Oak Valley Community Bank (#33457) equity $216.0 million (10.8% of Oak Valley Community Bank (#33457) assets); Oak Valley Community Bank (#33457) domestic deposits $1.76 billion; Oak Valley Community Bank (#33457) net income $11.1 million; Oak Valley Community Bank (#33457) return on assets 1.11%; Oak Valley Community Bank (#33457) return on equity 10.61%; Oak Valley Community Bank (#33457) net interest income $38.2 million; Oak Valley Community Bank (#33457) call report June 30, 2026.
Oak Valley Community Bank (#33457) noncurrent real-estate loans 0.33% of its book; Oak Valley Community Bank (#33457) residential 0.45%; Oak Valley Community Bank (#33457) net charge-offs on real estate 0.00%.
Oak Valley Community Bank (#33457) net interest margin 4.08% against an eight-quarter Oak Valley Community Bank (#33457) average of 4.09% (Oak Valley Community Bank (#33457) compression 0.02 points); Oak Valley Community Bank (#33457) real-estate loans 33.3% of equity; Oak Valley Community Bank (#33457) rate-exposure score 40/100, Oak Valley Community Bank (#33457) fixed-rate trap 40/100; Oak Valley Community Bank (#33457) risk type credit driven; Oak Valley Community Bank (#33457) rate regime rates elevated, Oak Valley Community Bank (#33457) snapshot October 19, 2026.
Oak Valley Community Bank (#33457) stress score moved from 66.2 on June 22, 2026 to 65.6 on October 19, 2026; Oak Valley Community Bank (#33457) ranged 65.6 to 66.2 over 116 snapshots.
Oak Valley Community Bank (#33457) alerts: 7 counties; top Oak Valley Community Bank (#33457) alert scores: Sacramento County, CA 40 (moderate); Bishop County, CA 22 (low); Mammoth Lakes County, CA 22 (low); Roseville County, CA 22 (low); Sonora County, CA 22 (low).