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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Oak Valley Community Bank

Oakdale, California · $2.00B in assets · beside the 11 other California banks between $1B and $3B

The filing

223.4x
Coverage of noncurrent
1st of 11
0.00%
NPA / loans
2nd of 12
60.0%
CRE / loans
11th of 12

Oak Valley Community Bank is the sixth largest of the 12 California banks nearest its size between $1B and $3B, with $2.00B in assets at 30 June 2026. Loans are 66.0% of deposits, 3rd of 12 against a median of 88.6%, and equity is 10.8% of assets, 8th of 12. Loans grew +5.0% in the year, 7th of 12, and deposits grew 3.1%; the cohort's median loan growth is +8.3%.

Noncurrent loans are 0.00% of the book, 2nd of 12 against a median of 0.55%; 0.00% is 30 to 89 days past due, and the allowance covers them 223.4 times. Net charge-offs are 0.30% of loans, 8th of 12. Commercial real estate is 60.0% of loans, 11th of 12 against a median of 46.1%, and 289% of capital, below the 300% screen, with construction at 24% against the 100% screen.

Return on assets is 1.11%, 8th of 12 against a median of 1.11%, on an efficiency ratio of 64.0%, 9th of 12. Five years ago it was 1.02%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansCA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 46.1% ED El Dorado Savings Bank FSB 0.1% FB FFB Bank 38.5% PB Plumas Bank 40.4% MB Montecito Bank & Trust 41.0% MB Mission Bank 41.7% BS Beneficial State Bank 42.8% CB Commonwealth Business Bank 49.4% FN First Northern Bank of Dixon 49.6% UM U.S. Metro Bank 52.2% AR American Riviera Bank 55.7% OV Oak Valley Community Bank 60.0% MB Malaga Bank FSB 93.6%
Loans, year over yearCA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +8.3% PB Plumas Bank +48.5% BS Beneficial State Bank +15.7% FB FFB Bank +15.5% AR American Riviera Bank +13.1% MB Mission Bank +12.9% UM U.S. Metro Bank +11.5% OV Oak Valley Community Bank +5.0% CB Commonwealth Business Bank +4.2% MB Montecito Bank & Trust +3.7% MB Malaga Bank FSB +2.7% FN First Northern Bank of Dixon +2.6% ED El Dorado Savings Bank FSB -5.8%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Oak Valley Community BankRankCohort median
Total CRE against capital, the 300% screen289%9th of 12261%
Construction against capital, the 100% screen24%10th of 1215%
Construction and land development, share of loans4.9%10th of 122.5%
Non-owner-occupied nonfarm nonresidential, share of loans46.7%12th of 1228.4%
Total CRE, the guidance definition, share of loans60.0%11th of 1246.1%
CRE growth over 36 months, the third prong+30.5%8th of 12+16.8%
Commercial real estate against capital, the 300% screenCA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 261% ED El Dorado Savings Bank FSB 0% FN First Northern Bank of Dixon 221% FB FFB Bank 225% PB Plumas Bank 235% MB Montecito Bank & Trust 240% CB Commonwealth Business Bank 259% MB Mission Bank 263% BS Beneficial State Bank 285% OV Oak Valley Community Bank 289% AR American Riviera Bank 374% UM U.S. Metro Bank 393% MB Malaga Bank FSB 473%
CRE growth over 36 months, the guidance's third prongCA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +16.8% ED El Dorado Savings Bank FSB -70.8% MB Malaga Bank FSB -3.1% FN First Northern Bank of Dixon -0.2% CB Commonwealth Business Bank +5.2% FB FFB Bank +6.7% MB Montecito Bank & Trust +11.2% AR American Riviera Bank +22.4% OV Oak Valley Community Bank +30.5% UM U.S. Metro Bank +35.3% BS Beneficial State Bank +37.1% MB Mission Bank +44.9% PB Plumas Bank +50.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
El Dorado Savings Bank FSB$2.44B0.9%58.7%0.28%0.01%1.2%23.6%13.8%
Plumas Bank$2.28B1.8%51.3%1.55%0.06%1.3%80.1%12.4%
Beneficial State Bank$2.03B0.1%76.1%2.53%0.73%1.8%90.9%9.3%
Montecito Bank & Trust$2.02B0.6%81.2%0.17%0.02%1.0%80.2%9.3%
Mission Bank$2.01B1.6%45.1%0.02%0.32%1.4%86.6%11.4%
Oak Valley Community Bank$2.00B1.1%64.0%0.00%0.30%1.0%66.0%10.8%
Commonwealth Business Bank$1.97B1.1%56.7%1.88%0.00%1.1%91.6%14.0%
First Northern Bank of Dixon$1.93B1.1%59.8%0.41%0.12%1.3%65.4%11.2%
U.S. Metro Bank$1.64B1.0%60.4%1.54%0.37%1.3%95.4%9.8%
FFB Bank$1.62B1.3%64.9%3.54%0.31%1.4%90.6%11.5%
Malaga Bank FSB$1.45B1.7%29.0%0.00%0.00%0.3%131.8%16.7%
American Riviera Bank$1.44B1.1%61.3%0.68%0.00%1.2%93.1%10.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Oak Valley Community BankCohort median
20212026Change20212026Change
Loans$939M$1.16B+24%$893M$1.31B+47%
Deposits$1.61B$1.76B+9%$1.27B$1.70B+34%
NPA / loans0.04%0.00%-0.03 pts0.30%0.55%+0.25 pts
Efficiency57.6%64.0%+6.4 pts54.1%60.1%+6.0 pts
ROA1.02%1.11%+0.09 pts1.16%1.11%-0.05 pts

This read was prepared for Oak Valley Community Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Oak Valley Community Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $1B to $3B
Institution www.ovcb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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