Pacific Valley Bank
Pacific Valley Bank is a Salinas, California-based community bank serving agricultural enterprises, small and medium-sized businesses, nonprofits, professionals, and individuals across Monterey County and the Central Coast through four full-service branches and Fiserv-powered digital banking.
- Company typePublic
- Founded2004
- HeadquartersSalinas, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Pacific Valley Bank does
Pacific Valley Bank is a community bank headquartered in Salinas, California, founded in 2004 by local business and civic leaders and operated as the wholly-owned banking subsidiary of Pacific Valley Bancorp, a publicly traded holding company listed on OTC Pink under the symbol PVBK. Approximately 93% of outstanding shares are held by local individuals and roughly 40% are held by active directors, officers, and decision-makers, making it the only locally headquartered and locally owned community bank in Monterey County. The bank serves Monterey County and the broader Central Coast through four full-service branches in Salinas (headquarters), Monterey, King City, and Santa Cruz, with a customer base centered on agricultural enterprises, small and medium-sized businesses, non-profits, professional service firms, real estate and construction companies, hospitality operators, and individual consumers.
The bank's product platform spans business and personal banking: business and personal checking accounts (multiple tiers with monthly service charges from $6 to $20), savings and money market accounts, certificates of deposit, business loans (commercial and agricultural lines of credit, term loans, construction loans, and USDA/SBA government-guaranteed programs), treasury management services (ACH origination, wire transfers, Remote Deposit Capture, Positive Pay fraud prevention), online and mobile banking, bill pay, and consumer lending. Its technology stack is built on the Fiserv core banking platform, supplemented by third-party integrations with QuickBooks for accounting export and Zelle for consumer payments, with no proprietary technology layer or API platform disclosed.
The bank generates revenue primarily through net interest income on its $529.4 million loan portfolio, supplemented by deposit-related service charges, wire fees ($10 per incoming wire), and treasury management fees. Distribution is executed through a relationship-driven, sales-led model staffed by dedicated business development officers, market presidents, and relationship managers at each branch, supported by online and mobile banking channels and the MoneyPass surcharge-free ATM network (over 24,000 ATMs). Marketing relies on community sponsorships, civic participation, and referral-driven word-of-mouth rather than digital advertising. The bank reported $627.8 million in total assets, $536.6 million in deposits, and $1.2 million in net income for Q1 2026.
Pacific Valley Bank firmographics
Firmographics- Name
- Pacific Valley Bank
- Legal name
- Pacific Valley Bancorp
- Website
- https://pacificvalleybank.com
- Company type
- Public
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Pacific Valley Bank is a Salinas, California-based community bank serving agricultural enterprises, small and medium-sized businesses, nonprofits, professionals, and individuals across Monterey County and the Central Coast through four full-service branches and Fiserv-powered digital banking.
- Ownership category
- akta.pro rank
Pacific Valley Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022), National Commercial Banks (6021)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industry
- SBA/Government-Backed & Development Finance Loans (FSAKAGAI)
Keywords
Where Pacific Valley Bank is headquartered
LocationHeadquarters
- HQ city
- Salinas
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Pacific Valley Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income: Primary revenue stream from interest earned on loans including commercial loans, agricultural loans, real estate financing, and lines of credit. Q1 2026 total loans of $529.4 million generate interest income.
- Deposit Interest Expense Reduction: Revenue benefit from lower interest expense on deposits, driven by Federal Reserve rate cuts. Deposits increased 12% to $536.6 million in Q1 2026.
- Banking Service Fees: Fees from business checking accounts (monthly service charges ranging $6-$20), analysis checking, wire transfer fees ($10 incoming), and other banking services.
- Treasury Management Services: Cash management services including ACH origination, remote deposit capture, and wire transfers generate fee income from business customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Small Business Checking: $6 monthly service charge, $500 minimum balance |
| Subscription | Monthly | Business Checking: $10 monthly service charge, $2,500 minimum balance |
| Subscription | Monthly | Business Interest Checking: $9 monthly service charge, $5,000/$10,000 minimum balance |
| Subscription | Monthly | Analysis Checking: $20 monthly service charge, no minimum balance |
| Subscription | Monthly | Freedom Checking: $100 minimum to open, $300 minimum daily balance to avoid fee |
| Subscription | Monthly | Progressive Checking: $100 minimum to open, $2,500 minimum daily balance |
| Subscription | Monthly | Premium Value Checking: $100 minimum to open, $7,500 minimum daily balance |
| One time/ perpetual license | Pay-as-you-go | Certificates of Deposit: $1,000 minimum opening deposit, flexible terms from 7 days+ |
| Transaction based/ take rate | Pay-as-you-go | Incoming Wire Transfer: $10 charge per incoming wire |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
Pacific Valley Bank product offering
Product offeringCore offering
Pacific Valley Bank is a community bank providing deposit accounts (business and personal checking, savings, money market, certificates of deposit), commercial and agricultural loans (lines of credit, term loans, construction loans, SBA/USDA government-guaranteed loans), treasury management services (ACH origination, wire transfers, remote deposit capture, positive pay), and digital banking (online banking, mobile app, Bill Pay, Zelle). The bank serves small and medium-sized businesses, agricultural enterprises, nonprofits, professionals, and individuals across the Monterey County and Central Coast California region through four branches and digital channels.
Product overview
Pacific Valley Bank offers a comprehensive community banking platform with core products organized into Business Banking and Personal Banking divisions. Business Banking includes checking accounts (Small Business, Business, Business Interest, IOLTA, Analysis), savings/money market accounts, certificates of deposit, and business loans (lines of credit, term loans, construction loans, agriculture production, government-guaranteed loans). Online banking features include Business Online Banking with QuickBooks export, Mobile Banking, Remote Deposit Capture, Positive Pay fraud prevention, and Cash Management Services (ACH, wires). Personal Banking encompasses checking (Freedom, Progressive, Premium Value), savings/money market accounts, and Online/Mobile Banking with Bill Pay and Zelle integration. Additional services include Notifi mobile alerts, financial calculators, MoneyPass ATM network access, and fraud prevention services.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Checking Accounts
- Business Savings and Money Market Accounts
- Certificates of Deposit
- Business Loans
- Business Online Banking
- Personal Checking Accounts
- Personal Savings and Money Market
- Mobile Banking
- Bill Pay
- Cash Management Services
- MoneyPass ATM Network Access
Quantifiable outcome
- Non-performing loans at 0.04% of gross loans demonstrating exceptional credit quality
- +3 more outcomes
Companies that use Pacific Valley Bank
Customer profileNamed customers4 records
Segments7 records
Ideal customer profiles3 records
Pacific Valley Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature5 records
Pacific Valley Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor and core.
- Continental Stock Transfer & Trust CompanyminorStock transfer agent and registrar maintaining all stockholder records, assisting with stock transfers, address changes, and tax identification number updates. Located at 1 State Street, 30th Floor, New York, NY 10004-1561.
- FiservcoreTechnology provider for banking platform including Fiserv Client-Central Risk Management for debit card fraud detection, online banking, mobile banking, and cash management services.
Scale indicators12 records
Recent moves7 records
Expansion highlights5 records
Pacific Valley Bank competitors and assessment
Company assessmentDirect peers
- California Bank of Commerce (California BanCorp): California community bank focused on commercial banking for businesses, professionals, and nonprofits. Comparable to PVB in SMB / professional-services target market and commercial-lending-led business model.
- Luther Burbank Savings: California community bank focused on relationship-based business and personal banking in Northern and Central California. Comparable in scale, customer-centric model, and SMB/real-estate lending focus.
- Coast Commercial Bank: Small community bank based in Santa Cruz, CA, focused on business and personal banking. Highly comparable to PVB: similar size, similar Central Coast geography, and a direct executive overlap — PVB's President/Chief Banking Officer Sandi Eason was previously CEO of Coast Commercial Bank.
- Santa Cruz County Bank: Santa Cruz-headquartered community bank serving SMBs and individuals. Directly comparable to PVB in target customer (SMBs, professionals, nonprofits), product mix (commercial loans, deposit accounts, treasury management), and Central Coast geography.
- Community West Bancshares (Community West Bank): California community bank focused on SMB and consumer banking, including ag and CRE lending. Similar business model to PVB with comparable scale and a strong small-business lending orientation.
- Monterey County Bank: Local community bank headquartered in Monterey, CA, serving SMBs and individuals across Monterey County. Direct geographic and product overlap with PVB; PVB relationship manager Jefferson Suruiz previously worked at Monterey County Bank.
- 1st Capital Bank: California community bank focused on business banking in the Central Coast region. Comparable to PVB by customer profile (small and middle-market businesses) and regional footprint; PVB relationship manager Jefferson Suruiz previously worked at 1st Capital Bank.
Broad incumbents
- Mechanics Bank: Large California-based community bank with a comparable SMB, ag, and consumer focus. Overlaps with PVB on product set but is several times larger in assets and footprint, making it an incumbent benchmark rather than a direct competitor.
- Tri Counties Bank: Larger Northern/Central California community bank with full-service commercial, ag, and consumer banking. Overlaps with PVB's ag and SMB lending focus but operates at significantly greater scale across a much wider geography.
- Heritage Bank of Commerce (Heritage Financial): Pacific Northwest and California community bank serving SMBs and commercial clients with comparable loan and treasury products. Larger, broader-geography incumbent with overlapping product capabilities but limited direct competition in Monterey County.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Pacific Valley Bank social profiles
Digital presencePacific Valley Bank compliance and trust
Trust signalCompliance3 records
Pacific Valley Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pacific Valley Bank leadership team
Management profileNumber of profiles
Profiles21 records
Pacific Valley Bank funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pacific Valley Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pacific Valley Bank
What does Pacific Valley Bank do?
Pacific Valley Bank is a community bank providing deposit accounts (business and personal checking, savings, money market, certificates of deposit), commercial and agricultural loans (lines of credit, term loans, construction loans, SBA/USDA government-guaranteed loans), treasury management services (ACH origination, wire transfers, remote deposit capture, positive pay), and digital banking (online banking, mobile app, Bill Pay, Zelle). The bank serves small and medium-sized businesses, agricultural enterprises, nonprofits, professionals, and individuals across the Monterey County and Central Coast California region through four branches and digital channels.
Is Pacific Valley Bank a public or private company?
Pacific Valley Bank is a public company. It is classified as public and is currently operating.
When was Pacific Valley Bank founded?
Pacific Valley Bank was founded in 2004. It employs 51 to 100 people.
Where is Pacific Valley Bank based?
Pacific Valley Bank is headquartered in Salinas, United States, in the North America region.
How does Pacific Valley Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are deposit Interest Expense Reduction, banking Service Fees and treasury Management Services.
Who are Pacific Valley Bank's main competitors?
Direct peers on record are California Bank of Commerce (California BanCorp), Luther Burbank Savings, Coast Commercial Bank, Santa Cruz County Bank, Community West Bancshares (Community West Bank), Monterey County Bank and 1st Capital Bank. Broad incumbents are Mechanics Bank, Tri Counties Bank and Heritage Bank of Commerce (Heritage Financial).
Does Pacific Valley Bank have an API?
No public API is recorded for Pacific Valley Bank.
What industry is Pacific Valley Bank in?
Pacific Valley Bank's product category is Community Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSAKAGAI, SBA/Government-Backed & Development Finance Loans. Its NAICS code is 52211 and its SIC code is 6022.