GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
111
2010–2026
Total Volume
$78M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
111 total segments
Oak Valley Community Bank is highly specialized in 504 loans, with 92% of their SBA deals in this category, compared to the national average of about 18%. This makes them an excellent choice for borrowers looking for real estate financing.
The average deal size at Oak Valley is $703,222, with a significant portion (42 deals) falling between $150K and $350K. If your financing needs are within this range, this lender could be a good fit.
Despite their strong 504 activity, Oak Valley has seen a 22% decline in year-over-year growth, indicating potential challenges in their lending environment. This may affect approval rates or the lender's responsiveness.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 102 504 loans, which use fixed SBA debenture rates.
States where OAK VALLEY COMMUNITY BANK has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Auto Repair & Maintenance
Other Services
Physician & Dental Offices
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Auto Dealers & Parts
Retail Trade
Other Professional Services
Professional Services
Legal Services
Professional Services
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for OAK VALLEY COMMUNITY BANK, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Auto Repair & Maintenance · $150K – $350K | 504 | 6 | — | $257K | Q1 2024 |
| California · Physician & Dental Offices · $150K – $350K | 504 | 4 | — | $232K | Q4 2023 |
| California · Manufacturing · $500K – $1M | 504 | 4 | — | $684K | Q4 2020 |
| California · Gas Stations · $1M – $2M | 504 | 4 | — | $1.4M | Q3 2021 |
| California · Finance & Insurance · $150K – $350K | 504 | 3 | — | $288K | Q1 2023 |
| California · Other Professional Services · $500K – $1M | 504 | 3 | — | $686K | Q2 2022 |
| California · Physician & Dental Offices · $500K – $1M | 504 | 3 | — | $714K | Q4 2021 |
| California · Specialty Trade Contractors · $150K – $350K | 504 | 3 | — | $229K | Q2 2022 |
| California · Real Estate · $500K – $1M | 504 | 3 | — | $591K | Q2 2014 |
| California · Manufacturing · $150K – $350K | 504 | 3 | — | $256K | Q3 2023 |
| California · Legal Services · $350K – $500K | 7(a) | 2 | P+1.00% | $500K | Q4 2024 |
| California · Manufacturing · $1M – $2M | 504 | 2 | — | $1.2M | Q4 2022 |
| California · Other Professional Services · $150K – $350K | 504 | 2 | — | $271K | Q2 2025 |
| California · Auto Dealers & Parts · $150K – $350K | 504 | 2 | — | $220K | Q2 2021 |
| California · Auto Dealers & Parts · $500K – $1M | 504 | 2 | — | $739K | Q2 2024 |
| California · Restaurants & Food Service · $150K – $350K | 504 | 2 | — | $249K | Q1 2023 |
| California · Administrative & Waste Services · $150K – $350K | 504 | 2 | — | $263K | Q1 2022 |
| California · Specialty Trade Contractors · $500K – $1M | 504 | 2 | — | $740K | Q1 2025 |
| California · Manufacturing · $2M – $5M | 504 | 2 | — | $2.7M | Q4 2019 |
| California · Retail Trade · $150K – $350K | 504 | 2 | — | $331K | Q2 2025 |
| California · Auto Repair & Maintenance · $500K – $1M | 504 | 2 | — | $669K | Q1 2024 |
| California · Legal Services · $150K – $350K | 504 | 2 | — | $213K | Q4 2022 |
| California · Agriculture & Forestry · $500K – $1M | 504 | 2 | — | $793K | Q4 2021 |
| California · Education · $150K – $350K | 504 | 2 | — | $310K | Q3 2025 |
| California · Hotels & Accommodation · $5M+ | 504 | 1 | — | $5.5M | Q4 2023 |
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Real experiences from borrowers who closed SBA loans with OAK VALLEY COMMUNITY BANK.
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