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Pacific Valley Bank
Salinas, CA · FDIC Certificate #57740 · Chartered 09/1
Total assets
$653.30M
Total deposits
$570.55M
Total equity
$79.20M
Net loans
$539.26M
Branches (offices)
5
Net income (YTD)
$2.88M
Rank: #1,448 of 4,213 U.S. banks by assets · #73 of 115 in California. Assets changed 14.1% and deposits 16.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.87% |
| Return on equity | 7.38% |
| Net interest margin (YTD) | 3.77% |
| Equity to assets | 12.12% |
| Tier 1 leverage ratio | 12.60% |
| Uninsured deposits (share of deposits) | 50.7% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 94.5% |
| Real estate loans (share of loans) | 86.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $464.67M | 86.2% | |
| Commercial & industrial | $53.98M | 10.0% | |
| Consumer / individual | $1.65M | 0.3% | |
| Construction & development | $19.62M | 3.6% | |
| Agricultural | $6.48M | 1.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $502.85M | $439.19M | $2.91M | $60.77M |
| Jun 2023 | $540.38M | $473.09M | $2.75M | $64.61M |
| Jun 2024 | $534.11M | $460.18M | $2.54M | $70.22M |
| Jun 2025 | $572.61M | $491.06M | $2.19M | $74.69M |
| Jun 2026 | $653.30M | $570.55M | $2.88M | $79.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $570.55M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $570.55M.
Similar-sized banks
Midstates Bank, National Association ($653.87M) · Citizens State Bank ($652.99M)
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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