Community Valley Bank
El Centro, CA · Cert 58500 · Peer group: banks under $1B in assets (n=528-576)
FDIC · 5 branches
Q2 2025
$324.7MAssets
$272.7MLoans
$285.5MDeposits
$32.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 84 of 528).
- Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets (rank 522 of 575).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.89%
Rank 294 of 576
Net Interest Margin
4.21%
Rank 87 of 575
Efficiency Ratio
74.99%
Rank 354 of 575
Equity / Assets
10.11%
Rank 290 of 575
Non-interest income vs. expense
Unfavorable gap of $9.7M · efficiency ratio beats 39% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.51% | 0.91% | 1.43% | Beats 49% | 294 / 576 | | |
| Return on Equity | 8.84% | 4.85% | 8.92% | 13.13% | Beats 49% | 296 / 575 | | |
| Net Interest Margin | 4.21% | 2.85% | 3.33% | 3.90% | Beats 85% | 87 / 575 | | |
| Efficiency Ratio | 74.99% | 58.61% | 70.08% | 82.08% | Beats 39% | 354 / 575 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.34% | 0.93% | Beats 100% | 84 / 528 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 34% | 347 / 528 | | |
| Capital |
| Tier 1 Capital Ratio | 10.18% | 11.22% | 13.91% | 18.96% | Beats 11% | 511 / 575 | | |
| Total Risk-Based Capital Ratio | 10.18% | 11.76% | 14.45% | 19.92% | Beats 9% | 522 / 575 | | |
| Equity / Assets | 10.11% | 8.53% | 10.12% | 12.97% | Beats 50% | 290 / 575 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.52% | 64.54% | 78.36% | 91.99% | 82nd pctl | 98 / 538 | | |
| Loans / Assets | 83.97% | 55.85% | 68.40% | 77.98% | 90th pctl | 52 / 528 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |