Visalia Community Bank has been in business since 1977.  The bank is headquartered in Visalia, California.  The bank has four bank branches in Visalia, one bank branch is Exeter as well as a home lending center in Visalia.  Visalia Community Bank has been FDIC insured since August 1, 1977.  Visalia Community Bank is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  As of December 31, 2008 the bank has approximately 79 total full-time equivalent employees, total assets stood at $196,280,000, total deposits were $164,113,000 and net income was $1,422,000.

Visalia Community Bank most recent performance ratios.
As of December 31, 2008:

Yield on earning assets 6.73% 
Cost of funding earning assets 1.31% 
Net interest margin 5.42%
Noncurrent loans to loans 2.61%
Equity capital to assets 8.99% 
Core capital (leverage) ratio 8.80% 
Tier 1 risk-based capital ratio 10.60% 
Total risk-based capital ratio 11.86%

Visalia Community Bank products and services:

Visalia Community Bank offers a variety of personal bank products and services as well as business products and services.  These accounts and services include: checking accounts, free checking accounts, interest bearing checking accounts, savings accounts, money market accounts, certificates of deposits, Individual Retirement Accounts, car loans, RV loans, boat loans, personal loans, home loans, home equity loans, credit cards, internet banking, online bill pay, overdraft protection, business checking accounts, non profit checking accounts, business savings accounts, business money market accounts, business certificates of deposit,  business loans, working capital loans, equipment financing, commercial land loans, merchant credit card services, tax deposit service, wire transfers and more.

Visalia Community Bank branch bank locations:

120 North Floral St
Visalia, CA  93291
559-625-8733

5412 Avenida de los Robles
Visalia, CA  93291
559-730-2851

2245 West Caldwell Ave.
Visalia, CA  93277
559-737-5641

2136 North Dinuba Blvd.
Visalia, CA  93291
559-737-5667

300 East Pine St.
Exeter, CA  93221
559-594-9919

Home Loan Center
2245 West Caldwell Ave.
Visalia, CA  93277
559-738-5404

Visalia Community Bank web address: www.vcb.com

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