Central Valley Community Bank
Central Valley Community Bank is a Fresno, California-based community bank founded in 1979 that provides personal and business banking — including deposits, loans, and treasury management — to individuals and businesses across the Central Valley and San Jose Bay Area.
- Company typePublic
- Founded1979
- HeadquartersFresno, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Central Valley Community Bank does
Central Valley Community Bank is a California-based community bank founded in 1979 and headquartered in Fresno, serving personal and business banking customers across the Central Valley and the San Jose Bay Area. Its product surface, as a chartered community bank, centers on standard depository products (checking, savings), treasury management services, business loans, home loans, and commercial real estate lending — the latter illustrated by a $16M construction loan originated in 2019 for a La Quinta Inn & Suites in North San Jose. No pricing, technology stack, or digital-channel details are disclosed in the available sources.
The bank makes money through the standard community-banking revenue model: net interest income from lending activities (commercial, real estate, consumer) plus fee-based income from deposit accounts, treasury management, and related banking services. The parent, Central Valley Community Bancorp, is publicly traded with a market capitalization of approximately US$235.3M, and the company employs between 251 and 500 people.
Growth has historically been achieved through acquisition rather than organic acceleration: the bank acquired Sierra Vista Bank on 2016-07-27 and Folsom Lake Bank on 2017-10-02, extending its footprint across the Central Valley and into the Greater Sacramento region. A 2019 commercial-lending transaction in North San Jose further evidences expansion of the lending book into the Bay Area, though the subsequent May 2026 default and foreclosure filing on that $16M loan represents a material credit-quality event for a bank of this size.
Central Valley Community Bank firmographics
Firmographics- Name
- Central Valley Community Bank
- Legal name
- Central Valley Community Bancorp
- Website
- https://cvcb.com
- Company type
- Public
- Founded year
- 1979
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Central Valley Community Bank is a Fresno, California-based community bank founded in 1979 that provides personal and business banking — including deposits, loans, and treasury management — to individuals and businesses across the Central Valley and San Jose Bay Area.
- Ownership category
- akta.pro rank
Central Valley Community Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (52211), Credit Unions (52213)
- SIC
- National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
- akta.pro secondary industries
- Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF), Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)
Keywords
Where Central Valley Community Bank is headquartered
LocationHeadquarters
- HQ city
- Fresno
- HQ country
- United States
- HQ region
- North America
Markets served
Central Valley Community Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
Central Valley Community Bank product offering
Product offeringCore offering
Central Valley Community Bank is a community bank headquartered in Fresno, California that provides personal and business banking products and services, including deposit accounts, commercial loans, real estate loans, and treasury management services to individuals and businesses throughout California's Central Valley and San Jose Bay Area. The bank operates as a subsidiary of Central Valley Community Bancorp.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Checking Business checking accounts offered by the bank for commercial customers operating in the bank's California service areas.
- Business Loans / Commercial Loans Commercial lending products provided to local businesses, including construction loans and lines of credit, as evidenced by the $16 million construction loan for a hotel project in North San Jose in 2019.
- Home Loans / Real Estate Loans Real estate and home loan products offered to consumers and businesses for property financing.
- Treasury Management Services Treasury management solutions designed for business clients to manage cash flow and payment operations.
- Personal Banking / Deposit Accounts Personal banking products and deposit services for individual consumers in California's Central Valley.
- Online and Mobile Banking Digital banking access providing personal and business customers with online account management, bill pay, and remote banking capabilities.
Companies that use Central Valley Community Bank
Customer profileIdeal customer profiles2 records
Central Valley Community Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Central Valley Community Bank partnerships and signals
Strategic signalScale indicators1 record
Recent moves3 records
Expansion highlights3 records
Central Valley Community Bank competitors and assessment
Company assessmentDirect peers
- Community West Bank: California community bank headquartered in Fresno serving Central California with personal and business banking, commercial loans, and home loans. Nearest direct geographic and operational peer to Central Valley Community Bank, with nearly identical service offerings and footprint.
- Bank of the Sierra: California community bank serving the Central Valley and Sierra regions with personal, business, and agricultural banking products. Highly comparable in market geography, customer base, and product set to Central Valley Community Bank.
- Tri Counties Bank: Northern and Central California community bank (TCBK) with similar deposit, lending, and small-business products. Comparable scale and geographic footprint across California's Central Valley.
- Heritage Bank of Commerce: San Jose Bay Area community bank serving businesses and consumers with deposit, treasury, and lending products. Highly comparable to Central Valley Community Bank's Bay Area operations and customer mix.
- Premier Valley Bank: Fresno-based community bank serving California's Central Valley. Direct geographic competitor to Central Valley Community Bank with overlapping deposit, lending, and small-business products.
- Valley Republic Bank: Bakersfield-based community bank serving California's Central Valley. Comparable community banking model and geographic focus, though at somewhat smaller scale.
Regional players
- Bank of Stockton: Northern California community bank serving the Central Valley and Northern California regions. Comparable community banking model and product set but with somewhat different geographic mix.
Broad incumbents
- Mechanics Bank: California community bank with operations across Northern and Southern California. Significantly larger scale than Central Valley Community Bank but with comparable community banking model and California-centric focus.
- CVB Financial (Citizens Business Bank): Larger California-focused community bank holding company. Comparable in geographic focus on California but with broader product offerings, deeper balance sheet, and substantially greater scale.
- Pacific Premier Bancorp: California-headquartered bank holding company that has grown substantially through community bank acquisitions. Highly comparable acquisition-driven growth strategy, though at much larger scale and broader geography.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks4 records
Key highlights4 records
Customer concentration
Central Valley Community Bank social profiles
Digital presenceCentral Valley Community Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Central Valley Community Bank leadership team
Management profileNumber of profiles
Central Valley Community Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Central Valley Community Bank M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Central Valley Community Bank
What does Central Valley Community Bank do?
Central Valley Community Bank is a community bank headquartered in Fresno, California that provides personal and business banking products and services, including deposit accounts, commercial loans, real estate loans, and treasury management services to individuals and businesses throughout California's Central Valley and San Jose Bay Area. The bank operates as a subsidiary of Central Valley Community Bancorp.
Is Central Valley Community Bank a public or private company?
Central Valley Community Bank is a public company. It is classified as public and is currently operating.
When was Central Valley Community Bank founded?
Central Valley Community Bank was founded in 1979. It employs 251 to 500 people.
Where is Central Valley Community Bank based?
Central Valley Community Bank is headquartered in Fresno, United States, in the North America region.
Who are Central Valley Community Bank's main competitors?
Direct peers on record are Community West Bank, Bank of the Sierra, Tri Counties Bank, Heritage Bank of Commerce, Premier Valley Bank and Valley Republic Bank. Bank of Stockton is listed as a regional player. Broad incumbents are Mechanics Bank, CVB Financial (Citizens Business Bank) and Pacific Premier Bancorp.
Does Central Valley Community Bank have an API?
No public API is recorded for Central Valley Community Bank.
What industry is Central Valley Community Bank in?
Central Valley Community Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSABAEAF, Cooperative Banks (Member-Owned Commercial/Retail). Its NAICS code is 5221 and its SIC code is 6021.