BlastPoint's Banking Scorecard
Oak Valley Community Bank
Community
Specialty: Commercial
CA
FDIC cert 33457
Oakdale, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Oak Valley Community Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 32% in Community
- - Margin Compression: Bottom 43% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+6.4% YoY
+1.4% QoQ
|
+$631.5M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$1.1B
+3.3% YoY
+2.7% QoQ
|
+$154.1M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$1.8B
+5.7% YoY
+1.0% QoQ
|
+$628.6M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
1.27%
-8.3% YoY
+0.7% QoQ
|
+0.11% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
4.15%
+1.8% YoY
+0.3% QoQ
|
+0.49% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
59.21%
+0.7% YoY
-1.8% QoQ
|
-3.42% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? | 0.41% | -0.22% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
62.99%
-2.3% YoY
+1.7% QoQ
|
-20.07% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.76%
-4.8% YoY
-2.0% QoQ
|
+11.72% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? | 0.23% | -0.27% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
15.27%
+5.5% YoY
+0.4% QoQ
|
+5.03% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.32%
+0.7% YoY
+32.5% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#206 of 642 · Bottom 32% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Margin Compression
decline
#52 of 120 · Bottom 43% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.27%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.76% · Tier avg: 21.05%
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
80
80th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
78
78th pctile
Tier 1 Capital Ratio
Current: 15.27% · Tier avg: 10.24%
76
76th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.66%
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
62
62th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
60
60th pctile
Efficiency Ratio
Current: 59.21% · Tier avg: 62.63%
53
53th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.63%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
12
12th pctile
Loan-to-Deposit Ratio
Current: 62.99% · Tier avg: 83.06%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 62.99% · Tier avg: 83.06%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
53
53th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.63%
60
60th pctile
Efficiency Ratio
Current: 59.21% · Tier avg: 62.63%
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
76
76th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.66%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.27% · Tier avg: 10.24%
80
80th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.76% · Tier avg: 21.05%