Major Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.5). Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 8.7.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 31.9 percent and a “hot money” ratio of 10.1 percent.
Asset Mix:
Comm re (36%), securities (36%), cash (9%), comm loans (4%), home mtgs (1%), home eq lns (1%), consumer loans (1%), other (11%)
States with Branches:
CA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
River Valley Community Bancorp
Investment Rating
--
Address
1629 Colusa Avenue
Yuba City, CA 95993
Yuba City, CA 95993
Phone Number
(530) 755-0418
Year Founded
2006
FDIC Number
Website
Largest Affiliates
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