# RIVER VALLEY FINANCIAL BANK
MADISON, IN · FDIC certificate 14714 · asset band $300M-1B · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $517.1M | |
| Deposits | $417.2M | |
| Loans and leases | $335.3M | |
| Total equity | $53.4M | |
| Loans / deposits | 79.69% (p43 of band) | 82.78% |
| Liquid assets / assets | 29.70% (p62 of band) | |
| Uninsured deposits / deposits | 34.41% (p85 of band) | 20.30% |
| Brokered deposits | 0.09% | |
| Wholesale funding | 8.55% (p60 of band) | |
| FHLB advances / assets | 8.46% | |
| Tier 1 leverage | 9.96% (p48 of band) | 10.05% |
| Unrealized securities loss / equity | 2.83% (p83 of band) | 0.46% |
| AOCI / equity | 0.48% (p91 of band) | |
| ROA (annualized) | 1.05% (p61 of band) | 0.91% |
| Net interest margin | 3.71% (p59 of band) | 3.59% |
| Efficiency ratio | 66.39% (p42 of band) | |
| Noncurrent loans | 1.66% (p82 of band) | 0.71% |
| Net charge-offs (annualized) | 0.29% (p91 of band) | |
| Reserve coverage of noncurrent | 50.78% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 33.94% (p48 of band) | |
| Auto loans | $1.5M (0.46% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 130 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | charge-offs p90 |  |
| 2013-03 | 2 | capital falling | charge-offs p90 |
| 2013-06 | 2 | noncurrent p90 | capital falling |
| 2013-09 | 1 |  | noncurrent p90 |
| 2013-12 | 2 | noncurrent p90 |  |
| 2014-03 | 3 | charge-offs p90 |  |
| 2014-06 | 2 |  | charge-offs p90 |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | charge-offs p90 | noncurrent p90 |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | charge-offs p90 |  |

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

- 2015-10-26 [German American acquires River Valley Financial; expands into eastern Indiana - Dubois County Free Press, Inc.](https://news.google.com/rss/articles/CBMisAFBVV95cUxPbkZPN1MyUjMybjVaQXBtWjNvbTBINTN6TnVuek5nWVdxNlpmMV92QW5qZkd6bnY4ZUlYQVhHM1BuVGIyQmhqYkZCanRoU05sVlRuZDNqSEREb2NIWHh3WV9VR2oyWlRzajFJdXZLa21nZVgxdExwMlJ5QmFoMXZrQ2htVW9vbURnekkyaEFJbG54aUw2QWhFVWpZLWRLdlFIZjhfalk0UERwQzVLNWs5cw?oc=5) · Dubois County Free Press, Inc.
- 2016-03-02 [German American acquires River Valley, expands into Madison and outer Louisville market - Dubois County Free Press, Inc.](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5HXzFqNE5WQVhMUlhGVXlMSzVqWWhNdGpNeUl4WFgyd2lJck82YzV6NWpsc09Fc0RZdmQ0MlAyYk1jcHB2cnJLUHUwUnYwaTdtVE1YR1o5ZGwtYjFqZzJZ?oc=5) · Dubois County Free Press, Inc.
- 2016-05-18 [New owner of Kaelin's property plans 'something special' for the site - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPUzZ5SU1NOEUwSkUyQWNSa1IweVd2YWtTOUdsTGdPcU5QeGlqMDlfblFQT3lQemxodTEzZ1hLcEdGbWVVWGdROEtEVlNxV3pfaFZ1cXBtZHVPWm1XbzNqTU9yb1ZyUzNmUjU2TlBYSVN1VlRya0ZmOWl5bUNvd0lSWnVQbmJMTVV5cjVBNG5NZVIxTHIwMkhaNnN2Y2ZRUk5LUGtkcjR0SDM?oc=5) · The Business Journals
- 2026-07-18 [Tandy-Smith engagement announced - Madison Courier](https://news.google.com/rss/articles/CBMivwFBVV95cUxPY1ItemVYTGwxVDJETEVZd0l4X0ZpQlJsXzNEbm5GdFZ1bWQ3cHd6Q2xIQ2xXTzlXeHM1bGVTdVotTks3ejZVeG1zY0FrRFFTMHZSOTFlVFgxMzZqelZfcWZMNGl1ckJIcEkzZGhoU0JBVnUyWFNXN3lvbVIxb2RkWjF0V0lILXdCSEJ2Y2N4ZnNGeHRtdTRLQWFPcXdnVHplb2JmdzQyeU9PdDVtcjJyOHBZajk2TndLMldEdklMbw?oc=5) · Madison Courier
- 2015-08-07 [Jeffersonville enjoying Veterans Parkway boom - The Courier-Journal](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOeG5LU3RSOW54UzNIdGZWMGhhckZfRlFSMHhEUU1jRkFxUUFMZDVWeVdBWVBCSVJiT2p2U2c1WUlER3NJX043RnlxVTR1UkxYSWJfekE2Qmtxbnk4eFp5SU9LUnVSVnpDNDRRSDNIc3dCSGhfZ1hzSVByV20tblJTVU1RN2Zpd0xpQnZ3WHZSQVZWcTFMenVYZUM3a2RvdGJ3WXI1VGN1SDAxUTFzWHJLUmtkUTFSX01SMGtycnZ6d000Mk1mNGd4d1dFVEZoZWRTN2dRS1ZB?oc=5) · The Courier-Journal
- 2022-04-27 [Matthew Forrester Obituary (1956 - 2022) - Columbia City, KY - KPCNews - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNSUFjNkkzU1kza0JDV3RiS08tb042UFFTMDhVejBEMlFzclJEZncxaW9KMXJsVV9OWmNhYTFZUmJFQ2ZXbmhGdkk2ZkRDSS0zSGRQNFprTDFQNF9PSWREb0hEOVZfVjctM0l1dFhrclJ0bFplSGdqWG5keVRtejFJcFo2cXVpMnlwcFduZDhpZ3NIdw?oc=5) · legacy.com
- 2016-01-11 [Win-A-House essay contestants miffed - IndyStar](https://news.google.com/rss/articles/CBMilwFBVV95cUxNTXlKeFBXeTNGa21qcWlIZ1duOWx1dFVVOGtWQnEzNWFjQXlFZnJfV0NoQ0UzRWZpWHE1ajAwb0FzS1ZjRURXcVhuUTJiOGc1Z3ppVWhhQmJXbjQxa1ZWUUtFemRJWklwT1Z3cG91OXdQZkJVVDR2OUxScldPMVhhWHZfTHpnT1BUME15OUI4MnprOGRiR0RN?oc=5) · IndyStar
- 2016-02-24 [More retail, office space coming to Veterans Parkway - The Courier-Journal](https://news.google.com/rss/articles/CBMixAFBVV95cUxOdl9YNnotc0dtelJDZkQ3MXk4dFo2VGNjSXhPZ3N5bnVoaGdsSXc5RXRKT29ScDZQd1EtSnVPVnd6NVdqSEpjeVNfaEZhaFNwM0Q1NTNkUjc1SjBlNHdMSE1wN3RHRU5QZHJjNmJHTjZFYUNSQVV3b0JTR2NFZTNScTl0N3BIMmFFVHNKV21IczBmWVdvT3AwVUl6U3gxN0g0d2pNeUJGVTI0N3JlaGNGT08zdkZDQURhSWRXa1l4M3FnTnVW?oc=5) · The Courier-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14714 (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/58.json (key "14714", 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