# OAK VALLEY COMMUNITY BANK
OAKDALE, CA · FDIC certificate 33457 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $2.00B | |
| Deposits | $1.76B | |
| Loans and leases | $1.16B | |
| Total equity | $216.0M | |
| Loans / deposits | 65.32% (p12 of band) | 87.10% |
| Liquid assets / assets | 36.48% (p86 of band) | |
| Uninsured deposits / deposits | 46.88% (p87 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.48% (p69 of band) | 10.50% |
| Unrealized securities loss / equity | -13.12% (p33 of band) | -7.75% |
| AOCI / equity | 0.53% (p93 of band) | |
| ROA (annualized) | 1.11% (p38 of band) | 1.26% |
| Net interest margin | 4.08% (p73 of band) | 3.70% |
| Efficiency ratio | 64.00% (p66 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 0.51% |
| Net charge-offs (annualized) | 0.18% (p84 of band) | |
| Reserve coverage of noncurrent | 22344.00% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 26.67% (p26 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 246 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 | uninsured deposits leaving | capital falling |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | uninsured deposits >50% |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | leverage <7% |  |
| 2022-03 | 4 | NIM <2.5% |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling, leverage <7%, NIM <2.5% |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 0 |  | uninsured deposits >50%, AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 | securities losses >30% of equity | uninsured deposits leaving |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-03-27 [Oak Valley Community Bank Named One of Central Valley’s Best Places to Work - Yahoo Finance](https://news.google.com/rss/articles/CBMinAFBVV95cUxOVGVGRVQyT05ZaWZDS0hyeHpXaS0zTHE4OXhfVnF5YWJRTGd4VVJCUVo5WWJVd1JkSS1LVE50cERUTkFCSGVlTld1c0xWanhKYzFJQjhzNWlTaUktOUhQODFzamlRYXVWTmtGTlQ1cHpDMXBvaWtrYnlEVGhTSHJiTXZGOTFOVGkwUDEydkFTcWRKSEg5SEZxd0FEcXo?oc=5) · Yahoo Finance
- 2026-07-17 [Oak Valley Community Bank Hires Commercial Banking Officer - ABF Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxQVXM0cHpna2d5ZGFUYmN5Wkxpc1l5S09NOWxRTmJrdy1IOVJEOWxqY0FKRHItMTUtNUd1QlcxU2ViZTlFTGJTWXdJQUpkYmFvMEgwaTZMRDJrOWN4azBRc2JTcXgzc0w4Rjk1OHN5MUUwallPS3BnUEFwdjNWN1ZXWDVwNzg5MnVzX1VTSmUxaw?oc=5) · ABF Journal
- 2026-05-26 [OVLY - Finviz](https://news.google.com/rss/articles/CBMiRkFVX3lxTE5XUHlDelFMTXg5R1QwM0pRb1o4ZVpMNkpZN0hLbDBRN1F4QVJnNm9ob1NFS0lmOERzVnR5Mm01SXhucUU5U0E?oc=5) · Finviz
- 2026-02-23 [The Niche Strategy Helping Small Banks Compete With Wall Street - Comstock's magazine](https://news.google.com/rss/articles/CBMilwFBVV95cUxOSVVVNkdsZTQ1OUdsV3VOa0hGdHQ0ZHB2MlNtaFY5djVMZUR4Q2RaSmtCU3VFMnBlWkRxMWM5TlNnT0EyM0dkVlRYckQ5cC1sbExxY293ZWlfZ3FkakVBLWNOVXZsWmN2dXR4UVZPRWdIcUVVRkJqUGgwLTRNQUtENHRUSjVuYXJ0VGFLcFBIV09LTUpReHpJ?oc=5) · Comstock's magazine
- 2025-10-09 [Oak Valley Community Bank Names New East Sonora Branch Manager - myMotherLode.com](https://news.google.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?oc=5) · myMotherLode.com
- 2026-01-26 [Oak Valley Bancorp and Oak Valley Community Bank Chief Executive Officer to Retire - GlobeNewswire](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNRGxsWHRjaFRfV1Q4OEllNk5MNmdQcEU4ZlFFRlRpdEtLYURUS0QycTNNdjZMY0w4aFFKa2JWSDMxaWl2X0FNeWQ3QWczLVhFS3FNWGcxWU9SRklDMFdXVVQ5azhON05FQlN5SDk4MHZuNDRPeWYwN3V5dndBMFNtdEVWRll3TXlES2RXWlhScWdEclJiSjVQM2hTMkd1VG1ENDFLTGVEakFZUlFzMDhra1Q1bVFKUGV6Y0tzYmF3ZFJoYXlwY1FnVGMzTFVnODF1Rk9ZbnloUVc3SGtRVjJFVF9aVHVLaG4wdFE?oc=5) · GlobeNewswire
- 2025-11-05 [Oak Valley Community Bank Receives Approval to Award City Ministry Network a $150,000 Grant Supporting Workforce Development - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2025-01-29 [Oak Valley Community Bank Announces Regulatory Approval for New Lodi Branch Opening Mid-2025 - Quiver Quantitative](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOcDlUTFJoVUJpOUY0aU00SnpYNzJtSjBXQjlvOF8wYnl6TElsZ09SdXR4eG9mbEN2VkRnYUlqSW5TTW9xcjU2X0lPRmtwUHdZRHNLWXoyMGRZOHNNSWFuYk1OeFg2YkhtcUxkam5xYjJkTy1YcWJWWXBoTUxoWGluX3BQRnI2Mnc3SlpVVHhoclJxekZtdXNWM0c1MUo1Y3JEdkViNDVJYThMMmVDdW1JZGFrTjNycnN3bmw5YWM0cVFOMFE?oc=5) · Quiver Quantitative

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33457 (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/49.json (key "33457", 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