# VALLEY BANK
MOLINE, IL · FDIC certificate 10450 · asset band $300M-1B · latest filing 2014-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 13 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $456.4M | |
| Deposits | $360.0M | |
| Loans and leases | $288.3M | |
| Total equity | $3.2M | |
| Loans / deposits | 70.70% (p36 of band) | 77.60% |
| Liquid assets / assets | 33.54% (p62 of band) | |
| Uninsured deposits / deposits | 5.68% (p6 of band) | 18.11% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 19.51% (p92 of band) | |
| FHLB advances / assets | 14.90% | |
| Tier 1 leverage | 0.65% (p0 of band) | 9.94% |
| Unrealized securities loss / equity | -0.60% (p43 of band) | -0.21% |
| AOCI / equity | 18.22% (p100 of band) | |
| ROA (annualized) | -3.72% (p0 of band) | 0.81% |
| Net interest margin | 2.74% (p9 of band) | 3.57% |
| Efficiency ratio | 79.56% (p74 of band) | |
| Noncurrent loans | 17.22% (p99 of band) | 1.12% |
| Net charge-offs (annualized) | 0.98% (p97 of band) | |
| Reserve coverage of noncurrent | 68.16% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 2052.03% (p100 of band) | |
| Auto loans | $655,000 (0.23% of loans; DQ 7.63%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -18.0% | |
| Employees | 145 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | wholesale funding >15%, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  | charge-offs p90 |
| 2011-09 | 3 |  |  |
| 2011-12 | 7 | leverage <7%, leverage <5%, losing money, charge-offs p90 | reserve under noncurrent |
| 2012-03 | 7 | reserve under noncurrent, uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 8 | assets shrinking |  |
| 2012-09 | 6 |  | leverage <5% |
| 2012-12 | 9 | leverage <5%, losing money, deposits shrinking | reserve under noncurrent |
| 2013-03 | 8 |  | losing money |
| 2013-06 | 6 | charge-offs p90 | uninsured deposits leaving, assets shrinking, deposits shrinking |
| 2013-09 | 12 | losing money, noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 12 | capital falling | reserve under noncurrent |
| 2014-03 | 13 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-25 [Valley National Bank to acquire Chicago-area lender for $247M - Banking Dive](https://news.google.com/rss/articles/CBMioAFBVV95cUxOOV9aOVNVbnN4c3hXOExXUlpTTEhxbGlxd0N6UjJFWTl4QWlpWnVCY3FCUWpqS0RBUkRPdk1rY1NWY3kySlgwTzVKVmdPZ2RrVE02eVBncVZXMUUyeUJTcDYtdW5IVkJjd1Q3M0dOalN4bG1IZmRhN2pGR0NNS25BSEkwQ1I0WGRWc1kzaEc3Y0RaS2cyQlF5TWt1cXVXUzN5?oc=5) · Banking Dive
- 2026-04-22 [Sauk Valley Bank Announces Brad Ray as Executive Vice President - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMilwFBVV95cUxQM0hkTC1zOW1XTjIxakdNcVBMcmZzWWR4Q25PcS0yRWpqRXdYUFNlY1Z3MWJ3VjdZbzVsU2xWRDFMQWVnNm10Q3lIemhNYjVwWFJpQndCNmFXMV8xdGtsbTFYZFhCM09ZVUh4MnVRMjh2M2ZOTFB1YzY5RjM2RTFqeUd6bTFZVGR0VkdPNEJwNVlFc3Q3UmVR?oc=5) · Radio Monmouth, IL
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2026-04-10 [Sauk Valley Bank promotes Johnson to chief lending officer position - Shaw Local](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOUXRHNE9RZXg5emFfUWRtZEcwcGRXX25kQXdnaTk2WlJnTVBXc0x0dTRuUnBrZDVsV1BRdF9UMV9Sd0hZMTIzbEFsSEZObTJoN0Y4dG8zS29hT3F3UzBxbXJIcDViRlluclNrQ2FoUHV6X0lIdTBVVUMyODdCZUcydDNCUTUwNnlqQXF1MXpLeW03MWRYOHlnalJNYVVoT3BZMGtwTjM4NENJM1FHT0dHbUZsZFZzSXFD?oc=5) · Shaw Local
- 2026-06-05 [Fed Officials Resist Silicon Valley Bank Collapse Investigation - The Capitol Forum](https://news.google.com/rss/articles/CBMixwJBVV95cUxQdWhNWWxJMkJFakl1aEd0RUJhYVJBeUZWWno4cDVzbUlRVHZIRnBBTVpZMk1PTndzaXRLLWRRZE83Y1JENUVvQ3RSclJyam1IWFNPUkRnM3BvSnpWYVpjNEVsMG5sc1RHRXF1Q0hTRUlkcjhpenI4V0Z3VGdjWktkUmlyX2NFVlpBR2owZHdQQ2s2dDFVcG1yVU1GYzF0cFlQZC1DR3F0Q211UUR3aHR6YjlKaWUwc2xLVnFJdFVDdUM2M3NVZGpsWE82elJZclFVOE9qa3hONFRhcllWR2JVNW04Z2J6QzMyTWRRck5qaVFsZzBqcDQtbVh4OEczSk5OOXZIZmlRSXlPXzBmWFZodnpocVctQzlSMlc5VVRXWXpIY2xmUWlkS3FCeDlOM0djazNOUkFmRi15bGlhTXBPdjBlUXRMSGM?oc=5) · The Capitol Forum
- 2026-02-09 [15 most recent bank failures - American Banker](https://news.google.com/rss/articles/CBMickFVX3lxTE9OU0FZMFVvZ2QtYXVOTWpCa3djUGxETDEzbzlFTWhobUpfVnZMdWlDWmswQzNrOEIzc0ZDWVM3cnFTV1ZXTlRMamp2V25jM0ppMTBYM3BEZFM3OFI4bnIyaFlBSlQtT2NNa0RxMURCZ3JaQQ?oc=5) · American Banker
- 2026-05-29 [Crawford named new private banker at Sauk Valley Bank in Dixon - Shaw Local](https://news.google.com/rss/articles/CBMisgFBVV95cUxPV3ZLOVlTbmw4SHVYX3ZYOFFibVViQnNMenhnNloyZkV1OTBOYS1hX3d4WE1aMXliazR0MkVsZzBPc3ROb0d2dWQ2VUdNQlBZMVRDb1VMUTZPanJIc0lLS3U4WkRkUFRIYmdmdUliRlV4X0E4YzFaVkhIVjRMNnEzbXczSWhzSzlmX1hsT3BBNlJ3T09mUkxJV0JkaVo3V0dtenU4dTgzc3N6aUJUUU5uRkRn?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10450 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "10450", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide