# PACIFIC VALLEY BANK
SALINAS, CA · FDIC certificate 57740 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $653.3M | |
| Deposits | $570.5M | |
| Loans and leases | $547.2M | |
| Total equity | $79.2M | |
| Loans / deposits | 94.52% (p80 of band) | 82.04% |
| Liquid assets / assets | 14.51% (p15 of band) | |
| Uninsured deposits / deposits | 50.70% (p95 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.60% (p75 of band) | 10.81% |
| Unrealized securities loss / equity | -0.44% (p91 of band) | -8.10% |
| AOCI / equity | -0.15% (p62 of band) | |
| ROA (annualized) | 0.87% (p25 of band) | 1.28% |
| Net interest margin | 3.77% (p42 of band) | 3.91% |
| Efficiency ratio | 67.79% (p68 of band) | |
| Noncurrent loans | 0.24% (p36 of band) | 0.43% |
| Net charge-offs (annualized) | -0.02% (p5 of band) | |
| Reserve coverage of noncurrent | 613.84% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 24.77% (p31 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $19.8M (25% of equity) (p98 of band) | |
| Deposits YoY | 16.2% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 | capital falling | reserve under noncurrent |
| 2014-03 | 2 | reserve under noncurrent |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | charge-offs p90 | capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 1 |  | charge-offs p90, capital falling |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2017-03 | 3 | reserve under noncurrent |  |
| 2017-06 | 1 |  | deposits shrinking, assets shrinking |
| 2017-09 | 1 | capital falling | reserve under noncurrent |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | loans exceed deposits |  |
| 2018-09 | 0 |  | loans exceed deposits |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | uninsured deposits >50% |  |
| 2020-03 | 1 |  | uninsured deposits >50% |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | uninsured deposits >50% |  |
| 2021-03 | 1 |  | uninsured deposits >50% |
| 2021-06 | 1 | uninsured deposits >50% | capital falling |
| 2021-09 | 0 |  | uninsured deposits >50% |
| 2021-12 | 1 | uninsured deposits >50% |  |
| 2022-03 | 0 |  | uninsured deposits >50% |
| 2022-06 | 1 | uninsured deposits >50% |  |
| 2022-09 | 0 |  | uninsured deposits >50% |
| 2022-12 | 1 | uninsured deposits >50% |  |
| 2023-03 | 1 | capital falling | uninsured deposits >50% |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | uninsured deposits >50% |  |
| 2024-03 | 0 |  | uninsured deposits >50% |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | uninsured deposits >50% |  |
| 2025-03 | 1 | loans exceed deposits | uninsured deposits >50% |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | loans exceed deposits |
| 2025-12 | 2 | uninsured deposits >50%, capital falling |  |
| 2026-03 | 1 |  | uninsured deposits >50% |
| 2026-06 | 2 | uninsured deposits >50%, run vulnerability | capital falling |

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

- 2026-02-01 [When the Last Local Bank in Town Turns to a Global Salad Company for Help - WSJ](https://news.google.com/rss/articles/CBMiugFBVV95cUxQTzlNVnF0Z05aZzJMTkFQYkFocFk1dUJQREdJZ1dVcWFmem9yRG5DMjRRN1M4ZWJUeklhbUhwZDJIaHowU2NOd0ZxaUZaZDRwNTdOUHBUczk0RG1wVzZrRTRQYW5jTUxfNDZ0MkVqTzhkc21SSDRRSTJCTUt0clVHbVlGZWZ1NVR2dUFzUm43bG93NGpuTFF4OXlOekdVTVpoWVBkaEhVQVN2bEE4TzdTR0FQOG9PTDVnaWc?oc=5) · WSJ
- 2026-01-06 [Pacific Valley Bank Announces New Shareholder Investment by Taylor Fresh Foods - PR Newswire](https://news.google.com/rss/articles/CBMizwFBVV95cUxOUUp1WU0xLS1CRVJJRG5kVlFvekJ1cFhLa1dXVTVMTWVLU25ONXR5WFRaYUFnaWlaOUxEVy0yY2VLLTY0RU83dDYxMHlRNEc0eWhPcXVfbUNZd3Q1TmJqT21CaGkwaDlocUE4NXlDaUxoWk9hWmV3NDdoOUMyOHFtdTRPaE0wNDI4OEpaVi1wYWItazlkNmF4dnNrMmtSNjJMNWlnQmpFTkZ1YU5RT1Q2YnlfSG85ZjVfWEhPWTZwUkhlMGdJNGkyZWhsQkVpdlk?oc=5) · PR Newswire
- 2026-01-09 [Taylor Farms Acquires 16.3 Pct Stake in Pacific Valley Bank - Agriculture Investment Marketplace](https://news.google.com/rss/articles/CBMimgFBVV95cUxNU3lDZkNMbURUWWxvSXk1ZjJ1WE5Ub2k5TGhEckc5Mk1UWUdaQ21mSjlTM25VeEtoRkFtcmZPMWl4MFVqRGphTGh5b3pSX2J0VHFDLW1ycDZkaFI4RUljQ01pR1hhSHFrSC1WUUFLQVZJVF9TSmlrdEg1elBxblVQR1NBNFU0UnhXMlNQUVEzRWdhZ0hNdnNBX1Nn?oc=5) · Agriculture Investment Marketplace
- 2026-01-08 [Small California bank lands investment from local farm giant - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxOemZ3SlNXM2ZhdHBZbHR1MGQzbW1KSkJ5bng0M3hWYjFVUGNvaFpKYXVUWEVTLVVvSWdxLURHSVQ3OGtyT0lsQ0s5RkJTanZxWmd5d0pLMGVCd0F1TGg2UHZVQ3gzTjRUc2tWWEhmOWVldkpNVmN0WTRWTGhvM2VzVEdvZ0x2OVdiZEVxbnc0Tlh2OGhOa2pLcnNDSVg?oc=5) · American Banker
- 2026-01-29 [Community bank grows to $710M in assets amid wave of California consolidation - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNcEhSRjM5V3h5dmI5SXVOc0F6UDZSUmxFdFpvOTJGN3N3bnhybHlsX2lJOWdycWF5MGtWcFpiSTNKOFE2NFVRVlgxTmEwRUhpVTNfNTRseTFWcGtkMW5kSHdoVTc2X0hLVkZGU0JEN3EySGNVdTJ2SDBSb19QVjZ0UHpRSFQtWHhmYk5lbHdBX25kVm13bDlxRnFDTjRRY2FEQmZ3?oc=5) · The Business Journals
- 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
- 2026-01-08 [Taylor Fresh Foods acquires 16% stake in Pacific Valley Bank - Monterey Herald](https://news.google.com/rss/articles/CBMipAFBVV95cUxNcjA5eWIxbmNqSG1zSGlCU0JZNkZPOFM1RkxsMGFocFJjUk9SNXMySHI4M1VvYk5NYTNSWUs4d1k1ZGFDWnhJQnFLd1hoT2FHakpyMGtKdnpUT0JFOTF2MTFpNEU4ci1DUVZFdUl6VzhodWk4T2xWTUg5YTJieXBkbXktRGdqazdXUUk0SktnUG40SVdfbnNuRkYySUJoOUVFcUlTTQ?oc=5) · Monterey Herald
- 2026-01-07 [Salad giant Taylor Fresh Foods invests $10M in Monterey County's Pacific Valley Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNdDJDMU5Pd0lEN01XWjdxeER1XzBxSEZmWkxYbUxTYzFkeldXamZIMWdBWV92Q2s0aWxmb2NqMzc1aGJFVzBXVzdCRlBrVHVyTHlTVjJFazlyMl82X05NYmVsbXF0SGlEVlJwTmFQYjRwTmwxX3JmRG1vb3c5YzdmQ2hOaVlJSkdxVVIwa3BaNGY3djhpU1hyMDJJbGZtTlRSV0VnbFVlN3BkcVk?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57740 (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/12.json (key "57740", 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