About Us

Executive Officers

Wayne Gale
(President/CEO)

Mr. Gale’s community banking and finance career spans over 34 years. Most recently, Mr. Gale was the President and CEO of The Foothills Bank in Yuma AZ a $290 million community bank. Mr. Gale began his banking career with Southwest Bank in Vista CA until its sale in 1989 and held numerous positions as a lender, manager, corporate banker and regional manager. In 1990, Gale joined The Bank of Grays Harbor in Aberdeen WA, eventually becoming the bank’s Chief Operating Officer. After a merger, Mr. Gale relocated to Flagstaff AZ becoming the Chief Credit Officer for 1st State Bank in 2002 and moved to Yuma in 2007. Mr. Gale is a graduate of the University Of Texas Graduate School Of Bank Management.


Charles J. Tarquini
(Chief Credit Officer)

Mr. Tarquini has been the Executive Vice President and Chief Credit Officer at Community Valley Bank since its inception in October 2007. He has more than forty years of banking experience. Prior to CVB he served as Senior Vice President and Commercial Loan Officer at First National Bank of North County from 1996 to 2007. He also served as Vice President and Senior Commercial Loan Officer at Cuyamaca Bank from 1989 to 1996 and Vice President and Commercial Loan Officer at First Interstate Bank of California from 1978 to 1988. He started and manages the SBA Loan Department at CVB which has become an SBA Preferred Lender.



Toni Umphreyville
(Chief Financial Officer)

Ms. Umphreyville's operations and financial management resume spans over thirty years in banking. For over twenty years she has served as both a Chief Financial Officer (CFO) and Chief Operating Officer (COO) specifically in the Community Banking industry. She has performed the duties of CFO and COO in Orange County, San Diego County and now in the Imperial Valley. She also spent six years of her banking career in the data processing field that provided software systems to financial institutions. Ms. Umphreyville has been with Community Valley Bank (CVB) since April 2010. She began her career at CVB as a Consultant in April 2010 and became the CFO in September 2010. Her responsibilities at CVB include the oversight of; Accounting, Operations, Information Technology, BSA, Compliance and Human Resource Departments.