# COMMUNITY VALLEY BANK
EL CENTRO, CA · FDIC certificate 58500 · asset band $300M-1B · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $324.7M | |
| Deposits | $285.5M | |
| Loans and leases | $272.7M | |
| Total equity | $32.8M | |
| Loans / deposits | 94.54% (p82 of band) | 81.31% |
| Liquid assets / assets | 11.73% (p8 of band) | |
| Uninsured deposits / deposits | 41.02% (p90 of band) | 24.97% |
| Brokered deposits | 6.80% | |
| Wholesale funding | 8.08% (p67 of band) | |
| FHLB advances / assets | 1.23% | |
| Tier 1 leverage | 10.18% (p43 of band) | 10.49% |
| Unrealized securities loss / equity | -1.13% (p88 of band) | -12.52% |
| AOCI / equity | 0.00% (p13 of band) | |
| ROA (annualized) | 0.91% (p37 of band) | 1.11% |
| Net interest margin | 4.55% (p87 of band) | 3.64% |
| Efficiency ratio | 74.99% (p77 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p74 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 94% | |
| Construction % of loans | 22.73% (p26 of band) | |
| Auto loans | $10,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.6% | |
| Employees | 42 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | capital falling, reserve under noncurrent |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 2 | reserve under noncurrent | capital falling |
| 2013-09 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2013-12 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2014-03 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2014-12 | 4 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2015-03 | 1 |  | noncurrent p90, capital falling, charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 0 |  | charge-offs p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 2 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2018-09 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2018-12 | 1 | capital falling | reserve under noncurrent |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 2 | capital falling, reserve under noncurrent | uninsured deposits leaving |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | capital falling |  |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |

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

- 2025-01-23 [California credit union to buy in-state bank - Banking Dive](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQVVFFX2ZiRS13VG1qRDdtX3lKeGMyZndVTGJocnZOd1Ryall6U3lJTUpTQnVSQ09hc01iSDEyNzItRnhTeV9Fc0lUb0FJZF9YVEFUa2ZsWUpyeEJqWU9JWFlBSF83T1Y4ZUlGcEQzVGh5eDUzbmxxSTd2SWVsazdGNVhMMUR3OFE4N2luWGRIblh1VzR2SklNX1FIYzQ0TWpyVnR1b2VzMmZMTjc3Z3JSa2NabXN2eVJmNEdZZlFlSEVzdlBVcGEtNGg1aDFKX2JNRXlNSHc4NWM?oc=5) · Banking Dive
- 2025-01-24 [Frontwave Credit Union agrees to acquire Community Valley Bank - Yahoo Finance](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQa0dLbTNhV2hOQmRtUEFfWlFHVmZ1RS0yU2FxdmM1dHRYdUdkN0NvMlNRdkhiU3JBMm00bkFoQVpfWGhxNGZhejFMaXNsWTlqMkhwa2VSazdfbWtaVlpWQi15MUZGV0VwbEdpWVBUa2FIZFBjdl8wM3o2Z1JSYmZwdXRCeHN6a3VEYVFz?oc=5) · Yahoo Finance
- 2025-01-22 [Community Valley Bank to Combine With Frontwave Credit Union - newmediawire.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxOT2ZuUXhxWTktVzVMdWNMZ0tLV2hocHlhNDlfYUwyTFRIck5VTjhfeU95RDRJREQwSXdpOEh3OThfTkRubk16ZEhJQklpMkR3SEhJY3JyVFhuNDhKandyTjVDTkQ3eWlhVUpvaHpFRnFieXEzRE00U251WUN1MkpWRnJ5UzUwRk5sdVpZdmF0XzVGQkxidkp6ckZjVHRzM0dkaTQ3bA?oc=5) · newmediawire.com
- 2025-01-23 [Frontwave Credit Union to acquire Community Valley Bank - Imperial Valley Press Online](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOaFlNSzgxTklXSEdZbDVaeXY2QXdNUFp2MWNtODJnN01YNWJWejllTEgzbVBGdkpnRjdxRmN0ZEhCeDhySnJFbl9tVkdUaVZLUzA4VC0xNGFmMWl0YVJuQkdFa2F4OVp0MXhlZWxkOG9hQzF4VC04c3k5TjgyanFwM0dVVnRCZVd3WlZIM3RKemV3bk4wd0prQlpqVzliSkxwbGMtd1g1MmRHWjFaR1RGR09JWkp0d19majhDZl81UzlQcC0yT2o0RHZmY3p4WVJTakVHekJFUjVyMGlP?oc=5) · Imperial Valley Press Online
- 2025-07-23 [San Francisco credit union to buy California bank - Banking Dive](https://news.google.com/rss/articles/CBMiogFBVV95cUxNSFRDdWlkd3JMaEpfM0RRdXpCTzJiZEdKRml4MFdGSHFxRVNhNjhYYW1XanJyNGFHZWNaY1lmQm5ZeXctMzJXLWlBc1AwZnJHQmlRVHVnRGhHMjVvUDJHT3pJZF94cjMwWXkyeWd6emNmLXdkQnhmVy1RRThScHlHZXlyUW1QQV90MVhVdklyQ09Md1RVTXF0WXJ2ZHY5SDg2RlE?oc=5) · Banking Dive
- 2023-10-16 [Ron Rubin of Rubin Seeds Named ’23 Farmer of the Year - Calexico Chronicle](https://news.google.com/rss/articles/CBMimgFBVV95cUxPRFlWUEFDRzIzZUc4UjYyRFd6bzFSNnRKdm5fU1RiMndOWWZYV0ZsSlZFLU9qa2ZnZXM2LXlYX2J0TVYtbW9YdDdmZEp5Q2hOYkV5TDZCMUNUcWwtdHdfOUUwWU5qLTJ5cmg0ajBoLXBXYnRPa0RaWW9EMjdfV3pCMTdxWXJCR05IV1BXT3p6NkZHdElJdldkUTNR?oc=5) · Calexico Chronicle
- 2025-04-28 [CMUV Bancorp Announces 2025 1st Quarter Financial Results & Notice of Special Shareholder Meeting - newmediawire.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOa0pzMmtDUTJGSTk3SFlOdHk2bzZvUmhPbHU5TlpoVnFWSW1tcEFrYVNrdjdtdjZuLUo1anFnVE1aVnItaGNYZEZlaDNmNW5JRy1YNHN4ZWJHOVQwcHJKWWt2X1U1RHpMZ3ZNUFhVbkhoS3ZqUnBPZHAwYWh6SU9IUm5LZVNYRXBRdm9feTFpbkJXbDNNcDdta04xc3lzZm5IbXN0dWtYcFVDMUI4STVtZUpJbk5uS0Y5SjZRZEM1MXZGdDR1cktJMjUyYzhQeTFfb2pV?oc=5) · newmediawire.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58500 (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/4.json (key "58500", 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