WVS Financial Corp. operates as the bank holding company for West Valley Bank, offering a full suite of community banking and trust services. Headquartered in Fair Oaks, California, the company provides deposit and lending solutions tailored to small and medium‐sized businesses, professionals, and individuals throughout the Sacramento and Northern California regions. Established in 2005, WVS Financial has grown steadily through organic expansion and a deep commitment to local market relationships.
The company’s primary business activities include commercial and real estate lending, construction financing, agricultural loans, residential mortgage lending, and Small Business Administration (SBA) loans. On the deposit side, WVS Financial offers checking and savings accounts, money market funds, certificates of deposit, and treasury management services. Digital banking tools such as online and mobile banking, remote deposit capture, and electronic bill pay complement its branch network, enabling clients to manage their finances efficiently.
In addition to traditional banking services, WVS Financial provides trust, wealth management, and investment advisory services through its subsidiary, West Valley Management Advisers. These services encompass fiduciary administration, estate planning, retirement plan solutions, and portfolio management. The company’s trust officers and investment professionals work closely with individual and institutional clients to design personalized financial strategies and safeguard assets.
WVS Financial is guided by a board of directors drawn from local business, professional, and community leaders, and its executive team brings decades of experience in community banking and financial services. Committed to community reinvestment and economic development, the company supports local organizations and initiatives aimed at enhancing the vitality and growth of the markets it serves.
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