# SCOTT VALLEY BANK
YREKA, CA · FDIC certificate 10781 · asset band $300M-1B · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $682.6M | |
| Deposits | $603.2M | |
| Loans and leases | $437.3M | |
| Total equity | $67.6M | |
| Loans / deposits | 71.45% (p25 of band) | 84.92% |
| Liquid assets / assets | 32.96% (p73 of band) | |
| Uninsured deposits / deposits | 42.59% (p93 of band) | 21.35% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.28% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.99% (p42 of band) | 10.35% |
| Unrealized securities loss / equity | -2.37% (p50 of band) | -2.32% |
| AOCI / equity | -1.17% (p52 of band) | |
| ROA (annualized) | 1.03% (p48 of band) | 1.05% |
| Net interest margin | 4.01% (p72 of band) | 3.67% |
| Efficiency ratio | 66.66% (p49 of band) | |
| Noncurrent loans | 0.14% (p19 of band) | 0.55% |
| Net charge-offs (annualized) | 0.01% (p58 of band) | |
| Reserve coverage of noncurrent | 1021.61% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 54.67% (p62 of band) | |
| Auto loans | $34,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.5M (2% of equity) (p92 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 109 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | reserve under noncurrent | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |

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

- 2018-05-23 [Mechanics buys Yreka-based Scott Valley Bank - Record Searchlight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPSkUyRk9tNUtEeHlHY09sX2lTYjhIbDdaVGQwMlpCR2J0M1VPTHVybDRCbFU0OHE1U29Rcnh1YnkwVU1uS012azNmcW45Vy1xZVhjOU9wY2l6Mjg0UWZHU1dYVnZfNWwxaXlwUHJ2MkRSczh3aW9xM3otcU5PcHpLYXJpRGVhTWlPX1pYMm1lSndrdlRUbnQ4NlNWeE5naFN2VGY4YW00RThmc1k?oc=5) · Record Searchlight
- 2017-01-16 [Two appointed to Scott Valley Bank board of directors - Siskiyou Daily News](https://news.google.com/rss/articles/CBMirwFBVV95cUxPNU8xSGhCODhEOXRoSU56SXFoTlVjdkJFSWJlaDFud2s2aXFKclJKSnc3a28zcEdWOUtHZnZfdlltd0pGb3JpeFhKTHh2cWlwejZLLVJCaU5FUkJ4cV9VM1AtVzRkSGFxXzhpOGRrWHc1REtlNERJblVCYnlHRTFhQ3RFNUI2NFNnYUlMdzRQanR2Y0N1RVdFRzZuV0Q3NHdIZDdvbUI3cFBlLVRaeXFv?oc=5) · Siskiyou Daily News
- 2014-09-29 [Succession Planning for Business Owners - lifehealth.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFBIX1RueWFOYU9vYWxtbTJGaDJrVHNBOVF0NkRiY2drbENrOHZNZVY3bTg0d1JuUVB4OUxtM0xNU0lqcVNxZEFJd0p0RzRiNzM1OXhQdzNmMmhIc1ctU0xSU1BoT200Y0YxQ1NOcEhnVjQ?oc=5) · lifehealth.com
- 2015-03-06 [Former record producer takes the helm at Scott Valley Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNX05vT09TVU1WNENfZEJncFFpc19UY2g1TmplX2FwSlRxV3RMX2psS3ItMFhScWs5c1p6REdHQktRQ000ODdNZURPVnVBMGJwRGNyM0NvRXVoOXdUVlJwT1VWMVBVTkxTendNM2JnNkJlQnZxM3pEWHJreDFxSUxGOGdSRWY2RTJtWXhpM2pvall0ZVNKdjYyVzZYQ202T3M5cHBxV0FVel9TMkE?oc=5) · The Business Journals
- 2017-10-09 [Former Scott Valley Bank SVP Mulloy appointed to board - Siskiyou Daily News](https://news.google.com/rss/articles/CBMirgFBVV95cUxQMkNVYzlHSVhPU1NYTjlXYTEwdXNrcTJXMlpqOUxBWE84enBNVl9wYVR0RHJMeHJDYllUTlJ5TFVoTFl4cUZCX1hjMkdHR2Z5OVRkV1BQRU4wV2RjV3hYRVdFclAyWlVuRWpnbXJIR2xXZW5rZ1NHaGNUOHoxMW9pY0k4T1pHN3VOeV9udl9ZVkZUeFVPbl9xT1ZlUzlPQ1RYdUF0UVd3THpjTkFUMlE?oc=5) · Siskiyou Daily News
- 2018-01-22 [Local business news: Avery named SVB’s chief credit officer - Siskiyou Daily News](https://news.google.com/rss/articles/CBMisgFBVV95cUxQbUtzUGtfN3FCdTNwU3hxYnRXeWdBalR1d09saTNicVlXc3BKTTYtc2lvWjJGUjM2aER1NktvWUJfZU1nOWFhSVN0N0VFTWx5UkJmdTFqbGtYVFl6ODNXNW5aTWJOdjFZV0JocnJ1cjlaMDhsRHJSenRvWUNkYWpfeFBtdDh1bHhtR2FhZGZvazFWUXJmeExva3hZc3BrVElqcHB0aVFXaG8tR2stYzVxZm9n?oc=5) · Siskiyou Daily News
- 2016-05-13 [Scott Valley Bank's Hibbard Field mural officially dedicated - Siskiyou Daily News](https://news.google.com/rss/articles/CBMirAFBVV95cUxQTEtKc1cxcWY2eThEYk1weUcwbVFlZ2x6djFpMGlMb0tZamlxbldvWF9EOF94c25uWEZwYlBTUE1oN2ZjOEhGR2pRbG9ya09TcFZraVVKUXREaDlzRlJISTZCWXdNUktnUFJ0U252d2lYcE5fZGZMd1oyV09wdEhValkwUVdnLS1IWE9EOEE4TENCc3F4cDVRNHExbTNhZGxWLW5aWkhrMkRFLWMw?oc=5) · Siskiyou Daily News
- 2011-11-08 [Hoopa man possibly connected to Scott Valley Bank robbery in September - Siskiyou Daily News](https://news.google.com/rss/articles/CBMipAFBVV95cUxQYUhuOTBLaFpOUWZUUEhDWm1id2w0ZUlwbFc2Ty1PMDBSMTB0MUZJTVhiOWlMRWxqUDFNVVFTdThCSUVjdHZKNHZnd2xQU291VjlOUnkxNEcybDNHMlVubzJZM0h4YzhEVDZZdi1zTVBuNTI1dmdFTHE0Z0FMektRVXM5VlkzYl9FbjBWdzlyRG1tVWRnaEFiRDZod2pKY1NYcEhQdw?oc=5) · Siskiyou Daily News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10781 (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/29.json (key "10781", 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