# VISALIA COMMUNITY BANK
VISALIA, CA · FDIC certificate 22496 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $197.5M | |
| Deposits | $174.2M | |
| Loans and leases | $118.5M | |
| Total equity | $17.6M | |
| Loans / deposits | 66.45% (p46 of band) | 68.67% |
| Liquid assets / assets | 33.84% (p46 of band) | |
| Uninsured deposits / deposits | 15.56% (p67 of band) | 11.61% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.25% (p14 of band) | 10.18% |
| Unrealized securities loss / equity | 0.11% (p64 of band) | -0.21% |
| AOCI / equity | -0.56% (p74 of band) | |
| ROA (annualized) | -1.04% (p3 of band) | 0.77% |
| Net interest margin | 3.74% (p58 of band) | 3.59% |
| Efficiency ratio | 132.02% (p98 of band) | |
| Noncurrent loans | 3.89% (p85 of band) | 1.13% |
| Net charge-offs (annualized) | 0.69% (p93 of band) | |
| Reserve coverage of noncurrent | 59.01% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 41.22% (p76 of band) | |
| Auto loans | $1.7M (1.42% of loans; DQ 2.38%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 5 | losing money, expense ratio p90, charge-offs p90 |  |

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

- 2023-10-11 [Longtime Fresno bank to get new name under $99.4M merger agreement - thebusinessjournal.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQbUtlcmZ2OXItQWxCWnZ1Y00zZl92TTVBNGFCcmtEOXB0bzZPa1dENGtTYi1DZzE0QUJNc0R5amZXT3R3anBzeE95QXdKZ3I4SWM3R2pwTVRrdDJ2d1pyR1lIOEZPT3U5NmZlbWVHTFotOFN3bk9KYjh4MkliSGw1enBQd05FcTlLM1VPMUlXTjRQM0tLQ19BSmZHcERRdw?oc=5) · thebusinessjournal.com
- 2024-04-01 [Central Valley Community Bancorp Completes Community West Bancshares Merger, Adopts Name, Announces Board and Executive Reorganization - Business Wire](https://news.google.com/rss/articles/CBMimAJBVV95cUxQZjRSV2d5a3hzUmowUmVxVnNwcVF5SXVkcDVGTGlnQnFfMEwybUhNUGVKWjJoc01DaWdGX2UtNTdZeEE0SjJ5Wk9SWEkwTF9kUEtIV1RrUC1tWHVHTkktME9GaXFJa2pKR3FXMWtHRjh3enNmWlR5Y29TbEdmMllsQTNhbWpncTluNUxkaC1jMXlFU29EUUUwd1JYcEI0X2tGYnNDd1VmbnFvbHRvQXBtMmNuY2FncUxnVUpYcDk4QzNubGp2eXNrazlDN0pjX0o2UE1taGY0b3Q0TUU0Wm0xVFJUNS1kUnBXQ1ZmZXpYbmMzRjBhU1FGUFUteEhyS2RYRW5xS0hhTzZKeXhhclpGa2NXNFdtcURS?oc=5) · Business Wire
- 2023-10-12 [Fresno's Central Valley Community Bank to Get Name Change After Coastal Merger - GV Wire](https://news.google.com/rss/articles/CBMirAFBVV95cUxNTEVyNm9SNmdVUWx5bFE4S0hGRXhZT3g5S2kwM0hWaFh5Q2dUYktLbHViQjlkQzF6Z2NSUkVnSHpCaVRpSnhVRVJRZUh0cXFSZTJYQW80VGV2V1hMeTNHRkl5eVRGcVVwc1JGMzIxTkk1SGxha2xDMlBsb2dmMjMtRzg1LUdFd1lGd2tzNzZYXzNsMDY0cG9YeXdmbUVEd1NNS0hzVi1OUl91dW84?oc=5) · GV Wire
- 2026-04-01 [$185.5M merger now complete between local community banks - thebusinessjournal.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPaVcwM1J6WTlmLXRwb3RkSTdzbEhZY0JmUzJONEhtcDZHX0szcTEyY1ktai1JZUwxMTltS2p2UWVoUXB4MW9ZSFJxV3l5ZGRMQXZ6WUNadjRHcW1NR3ZwM3hTUkFSU3hKRFNuWnN2TjNIdmdSMTA5U1BYTm01UnZWVWZTVTZUQVlCMTMwUmNvakxsUQ?oc=5) · thebusinessjournal.com
- 2023-10-10 [Central Valley Community Bancorp and Community West Bancshares to Merge - Business Wire](https://news.google.com/rss/articles/CBMixwFBVV95cUxQTzZVcmhSQmkxWTZoTFlHX0o2MlRSV1VlNEp4TWxxOWd3OWpSY252RlAzREtPWjkyTlNnb0J1RTNQRUtqN08tcmIzV1Mzd3VzNWFqcHBIVkY4T3pOQWlSUVdqeHh6Sm5aVmRfcXVJN2stOXgzYkp4Y2xtWmRQbTdZOVBXUXBwYUZac2VIQm05b0J1VU1ocHZXVDZUdHhVOGdQZWlxZXlYbV9NOTQ1Nl95Y0lQU25WbWNscU9EZEtLNkFJU2w3TUJr?oc=5) · Business Wire
- 2020-01-06 [Gordon Lloyd Pendegraft Obituary - Tulare County - Visalia Times-Delta](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9lRy1EVmFmbi1ydERiYXp6U1duVVBDaHJ6aURPOGtFdlhkT25MUE1nMWlyMmxraXBwY3NETVpadEZzc3pzcmVQUzNQY0NsS3A2eEJNcTdtcjZEM3lSbFlMakV2MHU?oc=5) · Visalia Times-Delta
- 2011-08-24 [Scott Nelson Obituary (2011) - Visalia, CA - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMijwFBVV95cUxPa2FqN0o1alhuM05LUzZyQl9LYUViZ0NQQVkzR3NKM2xuT2U5VlI5ZmFxaEYzWFdudmt0dDBjaDVqRnNkVkpRd2lkTG5WazhzZGl4dWRHZHlsb2llV3QxdHBHbXlrX1RnS3ZqSzdFTXhFaDZVOHFIM0lQd0dBaGZrZm00RHdzamNBRkJfZVd0dw?oc=5) · Colorado Springs Gazette
- 2024-09-25 [Provost & Pritchard finds a home in Downtown Visalia - thebusinessjournal.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNck1yZmF5YlNqX0tUYjZKYm13SEM2aXV5U2htTlRaZ3phQ1hGT0FDSElTOGlJeGV0ODZHOHpIVVZycTdSVkoyS2h2LU9OVUwtQmp6c2FIWlVVT3VMZjJJZ3RoZUZ0LUx0NkM5VngwMERtcHd1a2NHV0FKd3plSENENTRJXzRLaHh4T2c?oc=5) · thebusinessjournal.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22496 (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/32.json (key "22496", 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