# EVB
TAPPAHANNOCK, VA · FDIC certificate 11584 · asset band $1-10B · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $1.45B | |
| Deposits | $1.16B | |
| Loans and leases | $1.07B | |
| Total equity | $150.8M | |
| Loans / deposits | 91.73% (p60 of band) | 87.83% |
| Liquid assets / assets | 19.37% (p42 of band) | |
| Uninsured deposits / deposits | 22.71% (p42 of band) | 25.51% |
| Brokered deposits | 5.54% | |
| Wholesale funding | 14.48% (p70 of band) | |
| FHLB advances / assets | 8.57% | |
| Tier 1 leverage | 9.62% (p43 of band) | 9.88% |
| Unrealized securities loss / equity | -2.36% (p15 of band) | -0.51% |
| AOCI / equity | 0.32% (p67 of band) | |
| ROA (annualized) | 0.76% (p28 of band) | 0.97% |
| Net interest margin | 3.79% (p75 of band) | 3.44% |
| Efficiency ratio | 71.47% (p74 of band) | |
| Noncurrent loans | 0.64% (p56 of band) | 0.56% |
| Net charge-offs (annualized) | 0.09% (p79 of band) | |
| Reserve coverage of noncurrent | 159.23% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 81.61% (p86 of band) | |
| Auto loans | $1.6M (0.15% of loans; DQ 0.61%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | 14.1% | |
| Employees | 289 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, leverage <7%, reserve under noncurrent |  |
| 2011-06 | 1 |  | leverage <7%, reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2012-06 | 0 |  | charge-offs p90 |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | charge-offs p90 |  |
| 2013-09 | 5 | leverage <7%, capital falling, losing money, expense ratio p90 |  |
| 2013-12 | 3 |  | leverage <7%, capital falling |
| 2014-03 | 0 |  | charge-offs p90, losing money, expense ratio p90 |
| 2014-06 | 1 | assets shrinking |  |
| 2014-09 | 0 |  | assets shrinking |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | wholesale funding >15% |  |
| 2017-03 | 1 | capital falling | wholesale funding >15% |

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

- 2024-02-23 [Former Primis Bank employee pleads guilty in $2.4M embezzlement scheme - wtvr.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFBEVFdOSFJFQUEzQ192S0JhWHFQODdqdVY4dUlUbldqRFFTUjZ5UU9aMWh1TWFMVVFSajd1aWJQakc4Yjc1c3pxeHNRWDhYVXFsRnQyT1RrZXVnOFZQTF82YXZVU1VDSHFKaDREdXR2c1F4WW40aFNNWjBYbFZMV2M?oc=5) · wtvr.com
- 2025-02-27 [First Bank taps longtime local banker Shearin to lead Richmond operations - Richmond BizSense](https://news.google.com/rss/articles/CBMitAFBVV95cUxPMHZJeDVXXzFDNTJJVnFDZl9Hc3Y2R2YxTG95SmFVbEdKQUNnNmxVWml1VkhCM1pOUnZtcVBZX3dBMGdUTkgwVWg5UHFoWmZ0N1RwTXBEcE9kLTEteDFzdEdsUUo5SUc4Z0kwVjBjTDNJclR1SWM0N0JaOU95d0QzdWVZNFlUTzY2VHBvc3BLaTU1ZnVfSEowR2R3aEdFU3lCeXQ4V015RU5fRldFRWRJbWJ6ekg?oc=5) · Richmond BizSense
- 2024-06-01 [William Carmine Obituary - GLOUCESTER, VA - Daily Press](https://news.google.com/rss/articles/CBMigAFBVV95cUxNNWoycEUyT1hzNHJUTHBYN1FpVUhDMDJKd0NwZ0ZRVGFVLXZPeTJKYThCRGV1aWF5Z2NsTVFiYmEwSnVFVk9KREh4Q1NUREJObWEwZkVWQTJfZzU0RlF2Vm5DbmRQQ09sVkgzbTA1T0ZFcnVjTXdlbG15N2pQVVNKMg?oc=5) · Daily Press
- 2016-12-17 [Hopewell/Prince George Chamber announces new president - The Progress Index](https://news.google.com/rss/articles/CBMivwFBVV95cUxQcU0tYkl2RE40Nk1QWnA2QmI2QWRHVDc4X0dNbUFvMHp5dlY4MTFaVDlValpNeFdfVWgybnRaVW80U01xaGtDSXRkMkRJZ3hXVzFGdlpZeEF0R2F3VUJlQl9vdGJzOWVZMEZtX1lHU0hTUWVFYzhBdGoxN0lQRVRRRDkzZVlzNzc3WHVZWEd4RTUwQWdsQXJnUEZQMnpMSDF4RFpPWkNFMVhaeC1NWk5EeFNiNTNqc3IzZnNwcEpCcw?oc=5) · The Progress Index
- 2022-01-30 [Michael Wayne Cheatham - - New Kent - Charles City Chronicle](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1sSVltMmYwUU5RNlBVNG8tdHNGd29DY2ZLNzVtcHhORlM1ZThvOXlNUktlUy1RWmI0dzQxM3NDMHJ1bkt6NjRoNEFMX0k4My02VWFFVGIzQnhhRy01aEFRVzRsLW0?oc=5) · New Kent - Charles City Chronicle
- 2025-08-21 [Eloise Anne "Nuchie Rock" Taylor Obituary (2025) - Warsaw, VA - Welch Funeral Home - Marks Chapel - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPVlRNdjRJZlhtT2hwTTVUYzJvQVc5b21tUkpka0tBRWU1bkFmazcwbnRyVDRQdWRLNmtaZnBndU56NUItZGhRMF91cDEyWHJwTHN3LUdXYkJ4WWJzRzFBVFJ1b1kta2ZQdGFZMktITFBHejIzc0xWaGdOQ3FmSV9NUGlB?oc=5) · legacy.com
- 2024-06-01 [Barbara TREVALLION Obituary - Hampton, VA - Daily Press](https://news.google.com/rss/articles/CBMiekFVX3lxTE5jWUgxSkotUzB1SnJRNHFqanVpYmt2ZUIxZE5qdmpGSW9sWVZWV0xTbXJ6NFpCR19tUTg0b3Fmd0E0bXZGa2F0bVpYa0RSNXZHa0x0M1dQRXZub3dSZmFFSzhxR3Z2WU9FNjRRaDNOZ25UblZUemJOazd3?oc=5) · Daily Press
- 2021-10-13 [Kristy Williams Obituary (2008) - Richmond, VA - Richmond Times-Dispatch - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNRjNTUmlHZW9IeFBrN1ZNSjdobFZUck5kZG92emp4bzZ2VU9DdUxUOHVEdUFTU1hXOFMzWWRzbWdXQjd4ZTBVU1J2YTBOamJDWDRRMGxaS3JWTEIyRE9IYmV3azVfTk5EcmdrdTBaMW91VmxSb2RyVXVFb082c2RfM3BHdzl3Mi1tMmpkenB0U3VhSkJWUWtn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11584 (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/0.json (key "11584", 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