# VALLEY COMMUNITY BANK
PLEASANTON, CA · FDIC certificate 34689 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $126.4M | |
| Deposits | $108.9M | |
| Loans and leases | $77.5M | |
| Total equity | $15.3M | |
| Loans / deposits | 67.26% (p43 of band) | 71.50% |
| Liquid assets / assets | 37.03% (p56 of band) | |
| Uninsured deposits / deposits | 22.81% (p82 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.84% (p69 of band) | 10.45% |
| Unrealized securities loss / equity | -1.12% (p13 of band) | 0.49% |
| AOCI / equity | 0.31% (p32 of band) | |
| ROA (annualized) | -0.38% (p5 of band) | 0.81% |
| Net interest margin | 4.35% (p84 of band) | 3.66% |
| Efficiency ratio | 107.82% (p95 of band) | |
| Noncurrent loans | 1.91% (p76 of band) | 0.76% |
| Net charge-offs (annualized) | 0.23% (p82 of band) | |
| Reserve coverage of noncurrent | 287.20% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 34.38% (p71 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.7% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | losing money, charge-offs p90 |
| 2011-09 | 4 | losing money, charge-offs p90 |  |
| 2011-12 | 5 | capital falling |  |
| 2012-03 | 7 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90, capital falling |
| 2012-06 | 7 |  |  |
| 2012-09 | 6 |  | uninsured deposits leaving |
| 2012-12 | 8 | capital falling, charge-offs p90 |  |
| 2013-03 | 4 |  | losing money, expense ratio p90, capital falling, charge-offs p90 |
| 2013-06 | 6 | losing money, expense ratio p90 |  |
| 2013-09 | 7 | charge-offs p90 |  |
| 2013-12 | 7 |  |  |
| 2014-03 | 3 |  | reserve under noncurrent, losing money, expense ratio p90, charge-offs p90 |
| 2014-06 | 2 |  | noncurrent p90 |
| 2014-09 | 4 | expense ratio p90, uninsured deposits leaving |  |
| 2014-12 | 4 | losing money | uninsured deposits leaving |

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

- 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
- 2026-01-15 [California’s Taylor Farms Takes Minority Stake in Salinas Valley Community Bank - Global AgInvesting](https://news.google.com/rss/articles/CBMirgFBVV95cUxQRVZQTWFneUlZRURxbzRRWVNuRHU1SHVpQWtrN0FvNS1xR1NxVzZ1YlU4bzgtb2Q2RDRXUUFTTmJSVkNIRm1zRXVwRmt5OEY1SkJaYi1YanF6eXlNZVNiSjVxc21rdTZUQ1pNZ1Y1YmVwMnA4WlRaaHk4dmtXdDNKTUp1Vi11LTNtQ3BDUUVxb2xkRGpVMU9ROHNpWk1BcUk0SGRCdDVfZTlKelRoZGc?oc=5) · Global AgInvesting
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 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
- 2025-09-29 [River Valley Community Bank appoints former Roseville mayor Garcia as relations, development officer - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQc0pscFNoRnU3blZRUE1lYzF4TWx5TmF2ZlN5ZjVhMGVGTWljdEpzMXA2WVdNT2ZWcW5tVUdRajFNTFJUTWZjcGdXQ3RjaGdPMVhYMjR5WDBBRURFelJTVU5TNlpXZG1ldWF0XzRGQk5oU20wVjNVYTZwUG1TMmI5TkRuWkFuSDhYWHlwR3d4MFE5OEl3S2lVblpfUndHNnNfTEE?oc=5) · The Business Journals
- 2026-07-21 [River Valley Community Bancorp Announces Financial Results - GlobeNewswire](https://news.google.com/rss/articles/CBMipAJBVV95cUxOcnFRNjRpVmNHOUpOdzNZOFR3akVIcHgtcnlIY25pdFNrSHlxd3FJX3VWWUFpdmQtUG10NGlOQkkzV2FUdDVnRmxFVHRsaU5MaVF4RjF6eHczakpfS0RiSHhEUVI4WWdXRU5UQWk4OFB1dFpraTUyeGZucWoyVTZUS29rT1J0WjlyZ2ZqR2FSU0NrektRaWh3Ql9tbHBRSnlEakhqU2ZrbldLUG5tUTRvUGhjZm55TkdjcXVGQ1FRaVlUT3lRd1ZQR0ZjQUY1Ny1vNW5YamtBRml2YmJYRDRJZ1c5LWJ1ZGxPcVMwR0Zwb0FxZUpDZ0hHTWd4cEEzcmgyOG85a0tiNmtJb0ZGRFJ2ajlFWXRMd1FiOUFRYXZjLUpuVDdj?oc=5) · GlobeNewswire
- 2025-07-01 [RIVER VALLEY COMMUNITY BANK - Comstock's magazine](https://news.google.com/rss/articles/CBMic0FVX3lxTFBtYjIxNGtwUnc1RzQzOFdQajQxRms3NnZQSWJoVWE3MHBHVGE1Ny16WmIzZjgzeFJzOWI0cUJzS0ZZTjR3SUdUVEszdzQtRmFILW94Sm1sY0dUNjI3Y3dtRjVrY1V4SUs2aE9wWk1zaEJYSzg?oc=5) · Comstock's magazine
- 2024-02-21 [The CEO of the Year is James J. Kim, Central Valley Community Bank - thebusinessjournal.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOd01kUXR3WHdaVWg5czZIdjNXOHJydy1udURIY21DU2FOcTFSWkpDbUdJNm1paUNYdVRaRlhaTWJ2ZUVtSTJ1UDRudlp2SVBoSm1IaTBuRWNXdU1xZWw3a2wyRlQ4ZmVVZzV4M2FVcGg2RDRDWW1OaUotWFh5dVRadXdpSF9NdEdyb2FjMzhUMmVxY1dOWDl4U3BSeWw?oc=5) · thebusinessjournal.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34689 (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/1.json (key "34689", 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.

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