Oak Valley Community Bank
Oakdale, CA · Cert 33457 · Peer group: banks $1B-$10B in assets (n=322-328) · Oak Valley Bcorp
State charter, Fed member · FED · 20 branches
Q2 2026
$2.0BAssets
$1.2BLoans
$1.8BDeposits
$216.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 97% of banks $1B-$10B in assets (rank 12 of 322).
- Widest gap: net charge-offs / loans trails 80% of banks $1B-$10B in assets (rank 260 of 322).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.11%
Rank 198 of 328
Net Interest Margin
3.81%
Rank 85 of 328
Efficiency Ratio
64.00%
Rank 213 of 328
Equity / Assets
10.79%
Rank 138 of 328
Non-interest income vs. expense
Unfavorable gap of $46.5M · efficiency ratio beats 35% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.91% | 1.22% | 1.52% | Beats 40% | 198 / 328 | |
| Return on Equity | 10.30% | 8.43% | 11.45% | 14.43% | Beats 39% | 201 / 328 | |
| Net Interest Margin | 3.81% | 3.03% | 3.45% | 3.83% | Beats 74% | 85 / 328 | |
| Efficiency Ratio | 64.00% | 51.61% | 59.56% | 67.53% | Beats 35% | 213 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.51% | 1.03% | Beats 97% | 12 / 322 | |
| Net Charge-Offs / Loans | 0.15% | 0.01% | 0.03% | 0.10% | Beats 20% | 260 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 15.72% | 11.75% | 13.15% | 15.47% | Beats 77% | 76 / 328 | |
| Total Risk-Based Capital Ratio | 16.53% | 12.63% | 14.15% | 16.46% | Beats 76% | 80 / 328 | |
| Equity / Assets | 10.79% | 9.15% | 10.33% | 12.01% | Beats 58% | 138 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 65.96% | 76.63% | 87.92% | 95.36% | 12th pctl | 285 / 323 | |
| Loans / Assets | 58.15% | 65.18% | 74.15% | 79.98% | 15th pctl | 278 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |