🏦Bank Scorer

PACIFIC VALLEY BANK

SALINAS, CA · Supervised by FDIC

Est. 2004FDIC #57,740RSSD: FDIC-57740
Part ofPACIFIC VALLEY BCORP→ View all charters
Satisfactory Same

Current rating · Exam: May 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.79%

Institution Profile

FDIC BankFind

Address

422 Main St, SALINAS, CA

County

Monterey County

Established

September 14, 2004

Total Assets

$628M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$628M

Total Deposits

$546M

Net Loans

$522M

Net Income

$1M

ROA

0.79%

ROE

6.80%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$491M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2006

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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