Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Salinas, CA · FDIC certificate #57740
PACIFIC VALLEY BANK is an FDIC-insured institution based in Salinas, CA (FDIC certificate #57740). In its Q3 2026 Call Report it reported total assets of $668M, total deposits of $584M and net loans of $580M. Its primary federal regulator is FDIC.
Plain-language readout
PACIFIC VALLEY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $668M in Q3 2026 and were lowest at $628M in Q1 2026.
Total deposits were highest at $584M in Q3 2026 and lowest at $546M in Q1 2026.
Over the whole period total assets rose 6.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $668M | $584M | $580M | 0.89% | 7.49% | 3.86% |
| Q2 2026 | $653M | $571M | $539M | 0.87% | 7.38% | 3.77% |
| Q1 2026 | $628M | $546M | $522M | 0.79% | 6.80% | 3.68% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $73.2M | $65.2M | +$8.0M | +12.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $21.6M | $22.6M | -$1.0M | -4.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $539.3M | $521.5M | +$17.7M | +3.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.6M | $4.6M | +$21K | +0.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $14.7M | $14.0M | +$670K | +4.8% |
| Total assets | $653.3M | $627.9M | +$25.4M | +4.0% |
| Liabilities | ||||
| Total deposits | $570.5M | $546.2M | +$24.3M | +4.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.6M | $3.6M | -$48K | -1.3% |
| Total liabilities | $574.1M | $549.8M | +$24.3M | +4.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $31.1M | $31.2M | -$83K | -0.3% |
| Surplus | $17.6M | $17.6M | +$54K | +0.3% |
| Retained earnings | $30.7M | $29.5M | +$1.1M | +3.9% |
| Accumulated other comprehensive income | -$233K | -$180K | -$53K | -29.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $79.2M | $78.1M | +$1.1M | +1.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.3M | $3.2M | -$1.9M | -59.5% |
| Adjusted nonperforming assets | $322K | $226K | +$96K | +42.5% |
| Tangible equity plus allowance | $87.1M | $86.0M | +$1.1M | +1.3% |
| Texas ratio (gross) | 1.48% | 3.71% | -2.22 pts | See points |
| Texas ratio (adjusted) | 0.37% | 0.26% | +0.11 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.37% | 0.26% | +0.11 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.60% | 12.51% | +0.08 pts | See points |
| Construction and land loans to total capital | 22.46% | 12.34% | +10.11 pts | See points |
| Commercial real estate to total capital | 323.95% | 317.25% | +6.70 pts | See points |
| Dividend payout, year to date | 14.75% | 0.00% | +14.75 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.44% | -0.69% | +0.26 pts | See points |
| Liquidity | ||||
| Core deposits | $515.9M | $487.9M | +$28.0M | +5.7% |
| Non-core funding | $54.7M | $58.3M | -$3.7M | -6.3% |
| Loans to core deposits | 106.07% | 108.52% | -2.45 pts | See points |
| Loans to deposits | 95.91% | 96.93% | -1.02 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.92% | -0.92 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 51.67% | 53.61% | -1.94 pts | See points |
| Volatile liabilities | $54.7M | $58.3M | -$3.7M | -6.3% |
| Earnings | ||||
| Earnings before provision, year to date | $4.1M | $1.9M | +$2.2M | +119.5% |
| Earnings before provision, single quarter | $2.2M | $1.9M | +$363K | +19.5% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.89% | 5.70% | +0.19 pts | See points |
| Yield on interest-bearing balances due from banks | 3.56% | 3.43% | +0.13 pts | See points |
| Total interest income to average assets | 5.48% | 5.33% | +0.15 pts | See points |
| Cost of interest-bearing transaction accounts | 0.96% | 1.10% | -0.14 pts | See points |
| Cost of savings and money market deposits | 2.63% | 2.52% | +0.11 pts | See points |
| Cost of time deposits | 3.47% | 3.45% | +0.02 pts | See points |
| Total interest expense to average assets | 1.63% | 1.56% | +0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $668M | $584M | $580M | 0.89% | 7.49% | 3.86% |
| 2026-06-30 | $653M | $571M | $539M | 0.87% | 7.38% | 3.77% |
| 2026-03-31 | $628M | $546M | $522M | 0.79% | 6.80% | 3.68% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CA | $491.1M | 0.03% | 110 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.