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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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.
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