Bank · FDIC insured
Oak Valley & Eastern Sierra Community Bank
A $2B bank headquartered in Oakdale, CA, with 20 branches in California.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Oak Valley & Eastern Sierra Community Bank
- Headquarters
- 125 N 3rd Ave, Oakdale, CA 95361
- FDIC certificate
- 33457 ↗
Branches
20 branches in California
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California
20 branches
Modesto area · 3
- 12th & I1200 I St # 3, Modesto, CA 95354Directions
- Mchenry Branch3508 Mchenry Ave, Modesto, CA 95356Directions
- Modesto Dale Branch4120 Dale Rd, Modesto, CA 95356Directions
Oakdale area · 2
- Oak Valley Community BankMain office125 N 3rd Ave, Oakdale, CA 95361Directions
- Oakdale Branch125n. Third Avenue, Oakdale, CA 95361Directions
Sonora area · 2
- Sonora - East Branch14890 Mono Way, Sonora, CA 95370Directions
- Sonora-Downtown Branch85 Mono Way, Sonora, CA 95370Directions
Bishop area · 1
- Bishop Branch351 N Main St, Bishop, CA 93514Directions
Bridgeport area · 1
- Bridgeport Branch166 Main St, Bridgeport, CA 93517Directions
Escalon area · 1
- Escalon Branch1910 Mchenry Ave, Escalon, CA 95320Directions
Lodi area · 1
- Lodi - Downtown Branch31 S School St, Lodi, CA 95240Directions
Mammoth Lakes area · 1
- Mammoth Lakes Branch307 Old Mammoth Rd, Mammoth Lakes, CA 93546Directions
Manteca area · 1
- Manteca Branch191 W North St, Manteca, CA 95336Directions
Patterson area · 1
- Patterson Branch20 Plaza, Patterson, CA 95363Directions
Ripon area · 1
- Ripon Branch150 N Wilma Ave, Ripon, CA 95366Directions
Roseville area · 1
- Roseville - Stone Point Branch1478 Stone Point Dr, Roseville, CA 95661Directions
Sacramento area · 1
- Sacramento - Capitol Mall Branch455 Capitol Mall, Sacramento, CA 95814Directions
Stockton area · 1
- Stockton Branch2935 W March Ln, Stockton, CA 95219Directions
Tracy area · 1
- Tracy Branch1034 N Central Ave, Tracy, CA 95376Directions
Turlock area · 1
- Turlock Branch241 W Main St, Turlock, CA 95380Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.48% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.00% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.11% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $66 | $88 | — |
- CapitalLeverage ratio11.48%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.11%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$66Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Oak Valley & Eastern Sierra Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.