Financial Strength of Pacific Valley Bank
We at Pacific Valley Bank pride ourselves on creating a stable, safe and sound institution that you can count on.
The Bank is entirely self funded with no outstanding borrowings and abundant liquidity. In 2022 the Bank had a 5 star “Superior” rating with Bauer Financial. The bank has a history of profitability and had record earnings in 2022.
The Bank is considered “well capitalized” in accordance with regulatory guidelines. As of December 31,2022, we had a community bank leverage capital ratio of 12.68%, significantly above the 9.00%, well capitalized minimum as required by the FDIC. Our strong capital position ensures that the funds you deposit with us are safe. As a community bank your deposits are reinvested back into local businesses in the form of loans to help our community thrive.

Message from our President & CEO
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Business Loans


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01/04

The best businesses combine good ideas, hard work, and the right financial partner. Pacific Valley Bank is able to create lasting relationships with Monterey County businesses because of our keen understanding of the local business environment and strong community connections. Work with our truly local team, let’s get this done.

Deposits


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02/04

Liquidity is essential for any business to operate, and where you keep it matters to your bottom line. Pacific Valley Bank works hard for business owners like you, providing products with the features you need to help your organization achieve its financial goals. From business checking and savings accounts to comprehensive cash management solutions, our complete list of business product offerings is tailored to fit the needs of local businesses. Let’s get this done.

Financial Tools


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03/04

A better tomorrows begins with educating yourself today. Gain the knowledge you need to achieve your financial dreams. Use our calculators to budget, create an overview of your financial status, or figure out loan payments. Budgeting for the future, let’s get this done.

Additional Services


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03/04

Pacific Valley Bank wants to be a resource for you. We provide a number of resources to make life easier. Whether it is accessing our nationwide Money Pass® ATM Network, using our debit MasterCard®, learning about fraud and identity theft, or using the FDIC calculator, Pacific Valley Bank provides the tools necessary to keep your financial life in order. Let’s get this done.

Business Loans

The best businesses combine good ideas, hard work, and the right financial partner. Pacific Valley Bank is able to create lasting relationships with Monterey County businesses because of our keen understanding of the local business environment and strong community connections. Work with our truly local team, let’s get this done.

Deposits

Liquidity is essential for any business to operate, and where you keep it matters to your bottom line. Pacific Valley Bank works hard for business owners like you, providing products with the features you need to help your organization achieve its financial goals. From business checking and savings accounts to comprehensive cash management solutions, our complete list of business product offerings is tailored to fit the needs of local businesses. Let’s get this done.

Financial Tools

A better tomorrows begins with educating yourself today. Gain the knowledge you need to achieve your financial dreams. Use our calculators to budget, create an overview of your financial status, or figure out loan payments. Budgeting for the future, let’s get this done.

Additional Services

Pacific Valley Bank wants to be a resource for you. We provide a number of resources to make life easier. Whether it is accessing our nationwide Money Pass® ATM Network, using our debit MasterCard®, learning about fraud and identity theft, or using the FDIC calculator, Pacific Valley Bank provides the tools necessary to keep your financial life in order. Let’s get this done.
The Pacific Valley Bank Difference

The PVB Difference

The Salinas area business and agricultural community faced unique challenges, but the existing banking culture had no provisions in place to fulfill their financial needs. Recognizing their plight, a group of local business and community leaders rose to the challenge. These were business leaders in Monterey County who had prospered and were anxious to serve their community in a meaningful way. Why couldn’t they form a new community bank? One that understood the needs of those it would serve? The project sparked interest – those who embraced the dream became determined to transform it to reality.

Pacific Valley Bancorp Announces Fourth Quarter 2023 Financial Results

Salinas, CA – October 23, 2023 – Pacific Valley Bancorp (OTC Pink: PVBK) announced its unaudited financial results for the third quarter 2023. Net income for the quarter ended September 30, 2023, was $1.3 million representing an increase of 2.2% or $27 thousand from the quarter ended September 30, 2022.

Pacific Valley Bancorp Announces Third Quarter 2023 Financial Results

Salinas, CA – October 23, 2023 – Pacific Valley Bancorp (OTC Pink: PVBK) announced its unaudited financial results for the third quarter 2023. Net income for the quarter ended September 30, 2023, was $1.3 million representing an increase of 2.2% or $27 thousand from the quarter ended September 30, 2022.

Pacific Valley Bancorp Announces Second Quarter 2023 Financial Results

Salinas,CA – July 31, 2023 – Pacific Valley Bancorp (OTC Pink: PVBK) announced its unaudited financial results for the second quarter 2023. Net income for the quarter ended June 30, 2023, was $1.1 million representing a decrease of 25.7% or $397 thousand from the quarter ended June 30, 2022. Excluding income generated from loans in the Paycheck Protection Program(PPP), core net income in the second quarter of 2023 increased by $306 thousand or 36.6% compared to second quarter 2022 core earnings

Pacific Valley Bancorp Announces Its First Quarter 2023 Financial Results

Salinas, CA – May 1, 2023 – Pacific Valley Bancorp (OTC Pink: PVBK) announced its unaudited earnings results for the first quarter 2023. Net income for the quarter ended March 31, 2023, was $1.3 million, representing an increase of 12% or $135 thousand over the first quarter ended March 31, 2022. Excluding income generated from loans in the Paycheck Protection Program (“PPP”), core net income in the first quarter of 2023 increased by $819 thousand or 180% compared to the 2022 first quarter core earnings.

Pacific Valley Bank 2022 Annual Report

PVB’s 2022 Annual Report is now available on our website.

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