# CENTRAL VALLEY BANK
TOPPENISH, WA · FDIC certificate 18616 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $178.9M | |
| Deposits | $159.6M | |
| Loans and leases | $117.9M | |
| Total equity | $17.7M | |
| Loans / deposits | 71.77% (p61 of band) | 66.54% |
| Liquid assets / assets | 31.57% (p37 of band) | |
| Uninsured deposits / deposits | 13.54% (p58 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.27% (p54 of band) | 10.04% |
| Unrealized securities loss / equity | 4.46% (p66 of band) | 2.48% |
| AOCI / equity | -0.05% (p66 of band) | |
| ROA (annualized) | 1.61% (p88 of band) | 0.72% |
| Net interest margin | 4.92% (p95 of band) | 3.55% |
| Efficiency ratio | 52.88% (p9 of band) | |
| Noncurrent loans | 1.46% (p55 of band) | 1.19% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | 191.22% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 27.76% (p66 of band) | |
| Auto loans | $40,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 39 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-01 [Community West Bank merger brings it to about $5 billion in assets - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxNYW1Uazh6NkhrNjJLZklmaFlhaDdDOTBwbWEwVFpEUGpSQlNtVUhHWXp0c1ZETGg1SlFibkpQVk5wSFd1YUZUZnVFUWFNWF94WmFCZ1J1b0VkTGN6SmFwQjNtcmZVblFzTVJqVVYtblk1ZE1aZFhaN0dMX20zMWxqWFJNZDNVM3ZrUkJvelFtTQ?oc=5) · The Business Journals
- 2015-04-21 [Bail set for man accused of robbing Yakima bank branch - Yakima Herald-Republic](https://news.google.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?oc=5) · Yakima Herald-Republic
- 2018-07-02 [Heritage Financial Corporation Announces Completion Of Acquisition Of Premier Commercial Bancorp - PR Newswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOdUI1Xzc4Ry1sQUxUaURQbTNsQmlDbS1ab2J4NWM2d2JsUkl3TExCY3RsVnVZekF4V0N6b3hOYTZoMEpkdjdsbjdHSzh0VHVEdkM0ZGtuaGVQa2dxQzBvYmVyczBFdUI2Y2tNV0dFSkxDdk9taS1fMFB6UElmdGE5Q0JFdkxPdUM2bmZ5WWFNZ0hRWEVJaEJmdWo5TjhDSnZlTXlweVhlaTJpaVBlaWxDXy1nWF9CSkRPenFOaENCX2VWMGNRcGNNbzJUbVplQUhXcVBrY1NJenlWcVlHMGxJQlR0UkJFZEk?oc=5) · PR Newswire
- 2024-03-12 [Robert Bjur Obituary - Yakima, WA - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTFB2amxMRTBsUWpsOU5tdTlCbVRUaDJNdmgyWlFienJjZ2pjaUpJM3RHXzRQVW9pY3gzYnJDSjJLWVZ6QW1zT2o5NENZMDdRdlNyamh5TXhoVDk4aS1uTWFiTGx1cVBPRk5XalMzVndUc3p3ZVF6OHJtTjZrcEQ?oc=5) · Dignity Memorial
- 2020-01-26 [Bank founded by Tom Steyer has long record of lawsuits against low-income borrowers - The Mercury News](https://news.google.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?oc=5) · The Mercury News
- 2015-07-15 [Heritage Bank Opens New Downtown Seattle Office - Expanding Team - PR Newswire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQbWJyTllnWUxMTWxKd0cyRWxnZll5cm9TUVMyQ0diWlE0Y2RlWWtBSXh5TlpqRGN0UmhyNEUxYlNBLUZBZFRNejlnMUhPQXBndjFKOHhkbjZDVDJJaGlLWmFqdzRIOFNzNzRSWThsSnNfZUlLWkhfN0U2eU4tSFJWVkJFRVZjQUZCbERIRzd3TEROenNVXy1rZWhyYjhBQ1FtQUkyMVNlbnV4ejAxbjc3WkpuOVdtckFlaC1J?oc=5) · PR Newswire
- 2009-12-14 [Stabbing suspect also wanted for robbing bank - Nonstop Local News](https://news.google.com/rss/articles/CBMixwFBVV95cUxQczd5UWEyY01pbDNEd1B2UnhMRERZV2lEbkNrcHoxQmUzRU9fRlJ2LXBuOHhvbE9DajAzQ0FwRlo3eTkyMnBXZG5NN2M2ZEJ0eHVYY0hKZ0V6Z3BGWjl6WVBsN0RpUkcxVXZJdDJLb3lSMDR4SGt3dFJfY0thc3ZfSTh0cWRkVGthY19EMU41M1h4bjEyXzk4R2MyUFlpUnpqYkRmdkhfb29Sc0J1cDRldmxDSXBrMDVKOEkxOW9yM2lzN2cyejdF?oc=5) · Nonstop Local News
- 2022-06-14 [Jack “Mad Jack” Wright - Yakima Herald-Republic](https://news.google.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?oc=5) · Yakima Herald-Republic

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18616 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "18616", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide