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Oak Valley Community Bank


Oak Valley Community Bank is an FDIC insured institution headquartered at 125 N 3rd Ave, Oakdale, CA 95361.
It was founded in 1991 and has approximately $2 billion in assets. Customers can open an account at one of its 17 branches.

Deposit Rates - May 01, 2026

SAVINGS RATES APY MIN
Savings
0.03% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.10% $10,000 Compare
6 Mo CD
0.10% $100,000 Compare
12 Mo CD
0.20% $10,000 Compare
12 Mo CD
0.20% $100,000 Compare
18 Mo CD
0.20% $10,000 Compare
18 Mo CD
0.20% $100,000 Compare
24 Mo CD
0.35% $10,000 Compare
24 Mo CD
0.35% $100,000 Compare
36 Mo CD
0.50% $10,000 Compare
36 Mo CD
0.50% $100,000 Compare
MM RATES APY MIN
Money Market
0.03% $2,500 Compare
Money Market
0.05% $10,000 Compare
Money Market
0.07% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $1
Int Ckg
0.05% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 33457
Date Established 1991
Assets $ 2.02 billion
Loans $ 1,129.61 million
Deposits $ 1,793.19 million
Capital $ 207.60 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 203.10 million
Interest-bearing balances $ 185.79 million
Total securities $ 546.96 million
Federal funds sold and reverse repurchase $ 29.08 million
Net loans and leases $ 1,129.61 million
Loan loss allowance $ 12.38 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 3.31 million
All other assets $ 66.18 million
     Total Assets $ 1,815.36 million

LIABILITIES
Total deposits $ 1,793.19 million
      Interest-bearing deposits $ 1,205.66 million
      Deposits held in domestic offices $ 1,793.19 million
      % insured (estimated)" 51.52%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 20.03 millionn
      Total Liabilities $ 1,815.36 million
      Shareholders’ Equity $ 207.60 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 88.49 million
Total Interest Expense $ 13.31 million
Net interest income $ 75.18 million
Provision for loan and lease losses $ 1.32 million
Total non interest income $ 6.39 million
Total non interest expense $ 48.38 million
Pre-tax Net Operating Income $ 9.19 million

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