Pacific Valley Bank

BankSalinas, California
www.pacificvalleybank.com

Total Assets

$710.3M

Total Deposits

$630.0M

Branches

5

Established

2004

TFS Health Grade

$
D+

69.0 / 100

Below average financial health

How we grade

Pacific Valley Bank is a bank headquartered in Salinas, California, established in 2004. With $710.3M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D+ (69.0/100).

Capital & Safety

Tier 1 Capital Ratio
12.74%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.22%

Profitability

Return on Assets (ROA)
0.69%(1%)
Return on Equity (ROE)
5.67%(10%)
Net Interest Margin
3.56%
Efficiency Ratio
72.21%(60%)

Lending & Liquidity

Total Loans
$535.8M
Loan-to-Deposit Ratio
83.80%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+8.32%
Deposit Growth (YoY)
+8.64%
Net Income
$4.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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