# TWIN VALLEY BANK WEST ALEXANDRIA, OH · FDIC certificate 13802 · asset band <$300M · latest filing 2026-06 · live **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 | $137.6M | | | Deposits | $126.5M | | | Loans and leases | $92.6M | | | Total equity | $10.4M | | | Loans / deposits | 72.57% (p48 of band) | 73.59% | | Liquid assets / assets | 25.13% (p32 of band) | | | Uninsured deposits / deposits | 12.17% (p21 of band) | 19.81% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p23 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 9.23% (p14 of band) | 11.76% | | Unrealized securities loss / equity | -29.96% (p14 of band) | -6.57% | | AOCI / equity | -0.58% (p41 of band) | | | ROA (annualized) | 1.08% (p45 of band) | 1.17% | | Net interest margin | 4.04% (p56 of band) | 3.93% | | Efficiency ratio | 71.11% (p63 of band) | | | Noncurrent loans | 0.08% (p33 of band) | 0.36% | | Net charge-offs (annualized) | 0.04% (p78 of band) | | | Reserve coverage of noncurrent | 1120.55% | | | Real estate % of loans | 83% | | | Construction % of loans | 22.72% (p57 of band) | | | Auto loans | $1.1M (1.18% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $1.2M (12% of equity) (p99 of band) | | | Deposits YoY | -1.8% | | | Employees | 27 | | ## Flags firing in the latest filing - **uninsured deposits leaving** (`flight_uninsured`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 1 | reserve under noncurrent | | | 2011-06 | 1 | | | | 2011-09 | 2 | capital falling | | | 2011-12 | 2 | | | | 2012-03 | 1 | | capital falling | | 2012-06 | 1 | | | | 2012-09 | 1 | | | | 2012-12 | 1 | | | | 2013-03 | 2 | uninsured deposits leaving | | | 2013-06 | 2 | charge-offs p90 | uninsured deposits leaving | | 2013-09 | 1 | | charge-offs p90 | | 2013-12 | 1 | | | | 2014-03 | 1 | | | | 2014-06 | 1 | charge-offs p90 | reserve under noncurrent | | 2014-09 | 1 | capital falling | charge-offs p90 | | 2014-12 | 1 | | | | 2015-03 | 0 | | capital falling | | 2015-06 | 0 | | | | 2015-09 | 0 | | | | 2015-12 | 1 | capital falling | | | 2016-03 | 1 | | | | 2016-06 | 1 | | | | 2016-09 | 0 | | capital falling | | 2016-12 | 0 | | | | 2017-03 | 1 | capital falling | | | 2017-06 | 1 | | | | 2017-09 | 1 | | | | 2017-12 | 1 | | | | 2018-03 | 2 | expense ratio p90, charge-offs p90 | capital falling | | 2018-06 | 1 | | expense ratio p90 | | 2018-09 | 0 | | charge-offs p90 | | 2018-12 | 1 | reserve under noncurrent | | | 2019-03 | 2 | capital falling | | | 2019-06 | 2 | | | | 2019-09 | 2 | charge-offs p90 | reserve under noncurrent | | 2019-12 | 2 | | | | 2020-03 | 0 | | capital falling, charge-offs p90 | | 2020-06 | 0 | | | | 2020-09 | 1 | capital falling | | | 2020-12 | 1 | | | | 2021-03 | 0 | | capital falling | | 2021-06 | 0 | | | | 2021-09 | 1 | capital falling | | | 2021-12 | 1 | | | | 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling | | 2022-06 | 2 | | | | 2022-09 | 2 | | | | 2022-12 | 2 | | | | 2023-03 | 1 | | AOCI drag >20% of equity | | 2023-06 | 1 | | | | 2023-09 | 1 | | | | 2023-12 | 1 | | | | 2024-03 | 1 | | | | 2024-06 | 1 | | | | 2024-09 | 1 | | | | 2024-12 | 1 | | | | 2025-03 | 1 | | | | 2025-06 | 1 | | | | 2025-09 | 2 | capital falling | | | 2025-12 | 1 | | capital falling | | 2026-03 | 1 | uninsured deposits leaving | securities losses >30% of equity | | 2026-06 | 1 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2017-06-23 [Twin Valley Bank opens in Eaton - registerherald.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFBCdzhtQ2o5R2VnWDdNMC1RZUhEbWxPZTN4X1N4dlpzaFF3alE0dGl3OHR5MFNrbGkwYmhlZk55d1Azam5NMUNVR29MUnZmOTQwN3daeGVBRFNrZklmS25JcGstVUJiVVNITDk5Q1prQ1J5QU81RVdWanpQdG5aMk0?oc=5) · registerherald.com - 2018-02-26 [Constance E. Smith Obituary Feb 26, 2018 - Gard Funeral Home and Cremation Services](https://news.google.com/rss/articles/CBMiakFVX3lxTE9TZFZveWZmMURhbi1zVmZrQzJ2OW9KYWJieWhDQXE3ZEtIYjkzTEl0NGxIbWZ4SDBDV2c0OXB1Vm0waXdpNlpQa21OM0ZPSm84UHhacFdDRldJNzI2aVVRWlJTaWlfODJCSXc?oc=5) · Gard Funeral Home and Cremation Services - 2020-10-07 [Suspected West Alexandria bank robber found dead from self-inflicted gunshot wound, sheriff says - WHIO TV](https://news.google.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?oc=5) · WHIO TV - 2020-08-07 [Mobile breast cancer screening available for busy women - WKEF](https://news.google.com/rss/articles/CBMilgFBVV95cUxOSnp5dXJFTzcySU5DSWVUdXRBeFh5bmN5RU1yVy1nbktsY1dDZjJ1dTY2WkNEM2RUMVVUR2loVXZ2cGtPWmEtNWhxS00zUVFNX0JhSUlyZE02X3R5NDZhVlNVUzJZRG5DcTQzQzVZeXJ2RFpLX1hTN0k0eWE4OTcteE0wd3lUXzRCNTcyZjlXWTdDQ24xeHc?oc=5) · WKEF - 2010-09-17 [Vincent John Kohen Obituary Sep 17, 2010 - Routsong Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5xZFJXNVJyRTgxSEFNNW5Rb1NvZ2RRSnptVF9IOVZnbnhQVjJ5SGNlLXAyTTlCTXJjclVIenJhVVJGRzMxTmFQZVN5SzMzVUFuZy1QcEpOTE1XbVVXZjVXRG9qR2c?oc=5) · Routsong Funeral Home & Cremation Services - 2019-01-08 [TVB donates to PC Outreach - registerherald.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE9HOVdyT0VINjcwajY1WTI1cmxWMWRHbXpCQmtJcUxKbXpUSVRiVFRNODBES0RpcnZUN1ZPdGRKdmR2TWdVLWVnc1NZZFF0WHhiQ1BGS3BlclNsaWZQekh4SlBmYVFsQU9VTFZNOVFPYnJlOHA4ZnFTdA?oc=5) · registerherald.com - 2015-12-30 [Preble County man caught trying to tow away ATM - pal-item.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNNnc1YWJKQkhXVTNjNU5wQUxoYWVsa2NVRUdfVDlGV3ZESG9HOVlneURnWGstcE9hTWNhTlhKYzRieHdwOFo3QzhnbFBueTZzOFpNMkc5eG9sNmd1V1VENWRGRUhnc05rQmNpZ2c2MFdkQ05aQWI4VUs4cDdOb21HZnVUTHRsbDVtVnNBeVR5a3hLajJ0ZWNRVHhsNDU2V0tMSklqUUdXR1BDZms?oc=5) · pal-item.com - 2019-12-13 [Emerson Voge Obituary Dec 13, 2019 - Gard Funeral Home and Cremation Services](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1LZGxSQ2xIS1ZfR3lBLUZxVW1oSlkxUUpkRnNGWUlWTjFSV0pZY3NIWUllUklhbEtWX1NBZnhhT2U3YVV4QXNqZVozalBhN1JpYVF2WFpkRnBnWjgwOEE1SzA4QkEtQQ?oc=5) · Gard Funeral Home and Cremation Services ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=13802 (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/42.json (key "13802", 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide