# PREMIER VALLEY BANK
FRESNO, CA · FDIC certificate 57098 · asset band $1-10B · latest filing 2022-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $1.32B | |
| Deposits | $1.17B | |
| Loans and leases | $733.9M | |
| Total equity | $135.0M | |
| Loans / deposits | 61.85% (p23 of band) | 76.25% |
| Liquid assets / assets | 36.88% (p71 of band) | |
| Uninsured deposits / deposits | 47.20% (p78 of band) | 32.79% |
| Brokered deposits | 11.53% | |
| Wholesale funding | 11.81% (p84 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.45% (p20 of band) | 9.64% |
| Unrealized securities loss / equity | -25.52% (p37 of band) | -18.54% |
| AOCI / equity | -19.39% (p30 of band) | |
| ROA (annualized) | 0.27% (p6 of band) | 1.09% |
| Net interest margin | 3.38% (p65 of band) | 3.20% |
| Efficiency ratio | 62.00% (p54 of band) | |
| Noncurrent loans | 0.11% (p26 of band) | 0.28% |
| Net charge-offs (annualized) | 0.81% (p99 of band) | |
| Reserve coverage of noncurrent | 868.17% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 45.01% (p42 of band) | |
| Auto loans | $108,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 21.9% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | uninsured deposits leaving | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 4 | uninsured deposits >50%, NIM <2.5% |  |
| 2016-03 | 1 |  | capital falling, uninsured deposits >50%, NIM <2.5% |
| 2016-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2016-09 | 4 | assets shrinking |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 1 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2018-06 | 0 |  | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2019-03 | 1 |  | deposits shrinking, assets shrinking |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 2 | charge-offs p90 |  |
| 2020-06 | 1 |  | charge-offs p90 |
| 2020-09 | 2 | charge-offs p90 |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 | capital falling | charge-offs p90 |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | losing money, charge-offs p90 |  |
| 2022-06 | 3 | brokered >10%, capital falling | losing money |

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

- 2025-02-04 [UMB expands footprint with $2B merger; now serving Central Valley - thebusinessjournal.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPVEFvcFhWaTVIU0d3UXh0SkJxejFPMTFPZ3dnQkZ0U2t6UU4xRVAzbmgwWmppSW14UUFKWXY5cHNCcWlMdjVRY1ViRjZWWU02b1RXUDFHdFVjRElJd2p5ZjZ1b2dSZU5qOUZEU3NyQnNla2lPLUpEUWp0QkdneDNRY1V5d2F5ZDVldlB2M0RQcS1FNFg1Zkd2dFdwNA?oc=5) · thebusinessjournal.com
- 2021-07-14 [Yosemite Bank & Founders Bank Rebrand as Premier Valley Bank - Sierra News Online](https://news.google.com/rss/articles/CBMikgFBVV95cUxPdzBkeklaTUlHVHF2enVFcUxSWFBWbnlSMDlXMDVDNlpNb0kxMnhpVEhIY2NqTXg5N01nejVMWXpza3Fsakdlb0hYTVB0Y1N1NTF0X3NwZlhrbmN2aWZvaEJWZUFWNjgxakdZMVdERjBzemRvZHR3d2RxTUE2LUpFNUhyak9veEdQYXVIRmZoN01nQQ?oc=5) · Sierra News Online
- 2023-12-05 [$1B Fresno bank sees top leadership transition - thebusinessjournal.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOYjZvMEpGR0U3VE9lWlYxT0VZWEc2SERaNC1Ma2lDN2ZDZ19hcUxZZkpRUGt0czl6YmJya29OaGl0Qm9fWTJBSXhrNW5tVzBKbWZtSTFzVU5Hd19FQm14d3M2SGFWa1Fuc3V0OEZXempxOGREcHhNUU1uMUEtRGl6RzhIQQ?oc=5) · thebusinessjournal.com
- 2006-09-12 [Premier Valley Bank and Yosemite Bank Merge - InsideARM](https://news.google.com/rss/articles/CBMiigFBVV95cUxQcE1IQ3A3OXpObUE4UFF5U0pleHFKRkVudzJsTl9WMjlweEJVSWltTThsVTJ4R0FVVFNqSk1PVWdGNGotcFUxeGVxY0VKZGozaGVwM0NySGlxc2U4RVp3eVNYMkt5SDF0Ry1GNDZLTjQ4OFVWQjJGZ0xFWWxlamhiRFVhdXJHd3J6TUE?oc=5) · InsideARM
- 2025-06-06 [Corum named Capital City Bank president; Enterprise merger - American Banker](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZ01uUzlIU3JKLWdZaW5vU1gzakotdFBTYnRuWjlRb0RVSHl1YUYxc2lwQkowcDhMTl9hUVRuY3haX3RKQkpTQm0yeXI5dE9SSTBCSnQySkxxUnBweV9CcEJiOGpjNVpWX241c000Q25ZVE1BNmdmeUZ2Vk4tWDhJb1I1MFBwZlVWZkxQQ2Jxcw?oc=5) · American Banker
- 2021-07-14 [Local banks rebrand under one familiar name - thebusinessjournal.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQYk5PZXBpLWt0bEowa1NjX0RqSGpqUXFiTWpMY0RWNDRodDdURmFuT0s2dWI1UGltckhQZ3UwdE9pck1BQm5ya1JlNDBubEY2cWNnNTRZTkQyeU95Y19Yd3lVMXdReDVoWU1GQ1pMcmtYLWhEZ0ZSanZmdkxxT0RNMg?oc=5) · thebusinessjournal.com
- 2015-01-01 [Bank of the Sierra promotes two - Visalia Times-Delta](https://news.google.com/rss/articles/CBMinAFBVV95cUxPWHlmQXdZdWx1YW1mWXdEeWc4U2g0d0pBSkNjeTJTbXlyYUtWVVR0YURyNy1ZYXlZcmg5OWtZTVR3dnFjek1wMXFUVGM1ZWJxdnhlX0VqS2M0Q1lfUDBra0JhenZvd0xYTFl1bEk4aHZnc3l3WldrMXZTM2pFbS02NXRDM2EyemV2bTlLM1ozZGQ2M0xQNjBmNXJWNTU?oc=5) · Visalia Times-Delta
- 2022-08-24 [Caltrans and Clean California to Hold Hiring Event Next Week - Sierra News Online](https://news.google.com/rss/articles/CBMilAFBVV95cUxPSmgtR1RCaEpzbkpCVmpwOEppSkZleThKUXF2RGlNU3ZYcy1HZllySjhtN0dwS0w2YlJ6OW5uZjhNR0VNUVR3bmpueFZmcmc5TDdJTk1yajkwaUREbFk3emhSYlN0enRwa1ZKZTZTYlFfUVlMNzBqSEIxM2ctSG11anA5OUtQSUdwS05WeXZCcWF0dzRk?oc=5) · Sierra News Online

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57098 (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/10.json (key "57098", 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