# BANK OF BLUE VALLEY
OVERLAND PARK, KS · FDIC certificate 1143 · asset band $1-10B · latest filing 2023-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $1.43B | |
| Deposits | $1.24B | |
| Loans and leases | $770.9M | |
| Total equity | $166.7M | |
| Loans / deposits | 61.43% (p14 of band) | 83.00% |
| Liquid assets / assets | 39.90% (p85 of band) | |
| Uninsured deposits / deposits | 32.86% (p58 of band) | 30.20% |
| Brokered deposits | 18.34% | |
| Wholesale funding | 19.40% (p84 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.13% (p75 of band) | 9.87% |
| Unrealized securities loss / equity | -28.91% (p34 of band) | -19.05% |
| AOCI / equity | 2.31% (p67 of band) | |
| ROA (annualized) | 1.06% (p51 of band) | 1.05% |
| Net interest margin | 3.33% (p48 of band) | 3.38% |
| Efficiency ratio | 56.61% (p37 of band) | |
| Noncurrent loans | 0.62% (p77 of band) | 0.26% |
| Net charge-offs (annualized) | 0.01% (p56 of band) | |
| Reserve coverage of noncurrent | 132.26% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 35.14% (p28 of band) | |
| Auto loans | $5.5M (0.71% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 61 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 0 |  | wholesale funding >15% |
| 2011-09 | 1 | wholesale funding >15% |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | wholesale funding >15% |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | capital falling, NIM <2.5% |  |
| 2014-03 | 0 |  | capital falling, NIM <2.5% |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 1 | uninsured deposits >50% | deposits shrinking |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50% |
| 2017-09 | 5 | brokered >10%, wholesale funding >15% |  |
| 2017-12 | 3 |  | brokered >10%, wholesale funding >15% |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | reserve under noncurrent |  |
| 2018-09 | 3 |  | uninsured deposits leaving |
| 2018-12 | 4 | charge-offs p90 |  |
| 2019-03 | 4 | expense ratio p90 | charge-offs p90 |
| 2019-06 | 1 |  | deposits shrinking, assets shrinking, expense ratio p90 |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | charge-offs p90 |  |
| 2021-09 | 0 |  | charge-offs p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 4 | brokered >10%, capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 4 | wholesale funding >15% | capital falling |
| 2023-03 | 2 |  | AOCI drag >20% of equity, securities losses >30% of equity |

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

- 2025-11-19 [UMB Bank completes acquisition of Bank of Blue Valley - Johnson County Post](https://news.google.com/rss/articles/CBMifEFVX3lxTFBBYnNfVUUtdmhESkxtTUphN1VpazUweWlFTDlsRUxmXzFPZDFoRXppdmFPUzBBWi16a1RtUERWdWNpRWxOeG9OSy1faGJKU3h4ZkVQaWNtUkNrN3o3UXZlYmtlWlFrODRHMEpqREVMRFlmTmNkclFtXzhsU3o?oc=5) · Johnson County Post
- 2026-08-03 [Former UMB executive joins Hawthorn Bank as market president - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNcnBXNDlZakhoZEZRZ2U2MFhNSmM4WXlsbURaT1YzYVE2TnNJMmdvdHZrR1M3RlhsSzFNWkxiQnhadFFocUo2ekxaam5UYTFtSnF2MEdwbWs2TEVNdDlvRWo5YkY2VkRDNEhYOTRQNmRpRUhFckNKNm8zemNDM25ab3l6ajh5cGJPeGxBNUtvUEVjLW96ckZmYkxGSEFtb1JObVNPQ29QSUF1YWxCaWc?oc=5) · The Business Journals
- 2025-11-19 [Busy M&A year reshuffles top 20 Kansas City-area banks' market rankings - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQZTA3NWxJdVR6dENBQnd3c0NZZElhcWlFRi01N3Vjak80R1o0Y3haTmxlNVlpTmdwdkU1STJLQ3F1NHIyaVhiU3V4Z19pTVl2MUp6TXVFaGxySmFpWHpiRU1vUVlfM2VQZkdXNXJPUmVyaW1sTENaWklPVGFnd0M5Mm9oT1RPZlhyWkpGaEpuTjlMcWRFeWNzbEhMd2lrOE5seUszU2xpaw?oc=5) · The Business Journals
- 2023-05-03 [Overland Park’s Bank of Blue Valley taps new president and CEO - Johnson County Post](https://news.google.com/rss/articles/CBMiigFBVV95cUxOSEZ6aGltcHN1eTJKZWhCQkVZWnAzdzFzeFRsUHlFZ3FXd2xJQWp3c0t5TVVyT0I1VHFWNFFMZTdsQzBTSDFURTZhXzRfSXM0enplUUY0Q2kxTERBYlo1SWNyeDRRN3JrbHdnRjQ5bl80cWFVZ1FuZnQ5aXozeHpZU0RnY3pjQzBlbmc?oc=5) · Johnson County Post
- 2024-09-04 [Bank of Blue Valley founder joins Hawthorn Bank board of directors - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQY29Tbk5KRnZvVXdGUHJhdGxlek9VQlVEZG9XTUZLUDEwbmVCck5BVDhrbzcwakY5d2VRVG5RUEhBMkVoX0R1M0p4Rm02d0dfQXEzZ0sycllEMWw4YUFvVjNXeXlkMGRzaTlKcjNLamQ0WkZyWG5SMXBYRE5iZmE4MHppckk2SGh5OVNfT0FTZklQbXBmeWxUTnIwYy02RmNtZHRoQUtXWQ?oc=5) · The Business Journals
- 2023-08-08 [Bank of Blue Valley names former UMB executive to lead commercial lending - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZUx2NzFCdHBZVHBhcjhETVlCREswX2VvSnhOdjktR1B0SThrVmpNbGVKZ0pJVG9sd0VOaG9kSGpnU3VGSXdlZFlSWlp3THc1NlRsbVFTSTJHelNNX1E2dEJyam5nQlNwc0Zvb3ppVEdPa0xSOE5aMXl0dERaNFFOTnZQOHM0WG9sS2s5N0tFMVNibEs4Y3dGTlBLUnZfc3VScmhWZ05ENlRTQQ?oc=5) · The Business Journals
- 2024-11-20 [Hawthorn Bank’s first Johnson County office includes Bob Regnier - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOc1ZlMUVjY1ZMc2t1UDVsaXV2ZF85MDlrVEpjRjE2YkpxV01fOXZ2d1RYbTZZMl8wMlNMd29BZlB0QXg1QUtvUkZjRmxzRXRFRkQ3amF4R3hMd3VnRFBta1JXOVhxYk1SYnJ2QlBiamJBdWV2UTVmMVNDWDdmbnUyeFhJYVlZMDRPRFdtaHVldUtVWmdfRGF6akg0UU5rRXNfQVFITkd0bGVUcEhqVGRR?oc=5) · The Business Journals
- 2023-04-28 [Bank of Blue Valley names new CEO, new president after Giles resigns - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQc055OEpBeWtNM3pNdmo4OHdTSlRtTGxDaXM0T3ZBd1B4MjMweUw0MGhCUjRzLUgtM2JXQjlaRGFhVzZHMFl2S2tzRVNnNVIwMlZEREs2RzRRZEtWM0R6UlItZmE5STFkZ3pDZHRvYzRLOTVsd1pWSHN0dGZwRUs2NGJMcFFtLTdUM2F0RXNldDM4VXk5dTV1bUdiM0ZuMWp6SVVfVmJXQ2lTMjA?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1143 (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/55.json (key "1143", 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