The bank's primary clientele include small and medium enterprises and farmers in the communities served by it.

Loans granted by the bank are primarily channeled to help finance the production of coconut, corn, rice and fish.

The bank also provides capital and other banking services, as a co-partner of the Department of Agriculture, to small-scale commercial, industrial and agri-aqua business or diversified farming in line with the government's program in agricultural development to uplift the socio-economic welfare of the people.

The Rural Bank of Kapatagan Valley was incorporated on September 11, 1956, and was granted an authority to operate on November 24 of the same year, becoming the Philippines' seventy-fifth rural bank, initially starting with an initial capital of forty thousand pesos.

The Bangko Sentral ng Pilipinas granted 1st Valley Bank's authority to operate on September 21 of that year.