# VALLEY NATIONAL BANK
ESPANOLA, NM · FDIC certificate 19245 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $169.5M | |
| Deposits | $149.2M | |
| Loans and leases | $48.5M | |
| Total equity | $19.8M | |
| Loans / deposits | 29.25% (p5 of band) | 71.50% |
| Liquid assets / assets | 65.21% (p92 of band) | |
| Uninsured deposits / deposits | 18.60% (p71 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.64% (p67 of band) | 10.45% |
| Unrealized securities loss / equity | -0.65% (p18 of band) | 0.49% |
| AOCI / equity | 6.91% (p86 of band) | |
| ROA (annualized) | -1.28% (p2 of band) | 0.81% |
| Net interest margin | 2.30% (p5 of band) | 3.66% |
| Efficiency ratio | 151.90% (p99 of band) | |
| Noncurrent loans | 10.62% (p99 of band) | 0.76% |
| Net charge-offs (annualized) | -0.47% (p0 of band) | |
| Reserve coverage of noncurrent | 94.56% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 36.10% (p72 of band) | |
| Auto loans | $123,000 (0.25% of loans; DQ 25.20%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -13.5% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | wholesale funding >15%, losing money, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  | losing money, construction >100% equity |
| 2011-09 | 5 | losing money, charge-offs p90 |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 9 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 9 |  |  |
| 2012-09 | 8 |  | wholesale funding >15% |
| 2012-12 | 8 |  |  |
| 2013-03 | 7 | NIM <2.5% | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 9 | capital falling, charge-offs p90 |  |
| 2013-09 | 7 |  | deposits shrinking, NIM <2.5% |
| 2013-12 | 6 |  | capital falling |
| 2014-03 | 5 | NIM <2.5% | assets shrinking, charge-offs p90 |
| 2014-06 | 6 | capital falling |  |
| 2014-09 | 8 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2014-12 | 8 |  |  |

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

- 2014-08-15 [Peters, Cook strike bank deal; Century to acquire Valley National - Santa Fe New Mexican](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQT09wOGJjeTBkODVSYlM3Ul9xUHEzRThrUGtlcW1BRm4xeVFpX2xJYURBSGJrbk9wQU1vMlRFalFqSkFKaF95a0lyTW1NbmxQQjRWSGdNNXB5a3Q0bTYxRkpxZl9HcmpQaU00UGxFNEM5NDYyM3FpMFNqUFBvTndlUXhrdmh5QzgtWHhyLU83b2J0anRxU212TlExaGo4aGRNelNmeWpuZ3o5Sm9adXdZS3FqSXN1X1Jhd3lTN3FOS1A1TTV0dWZBejE3WmdyX3BfSHNXejM2TloxSnppcW9oVDhRQVZsUG14am5UT2doTTJKQVU?oc=5) · Santa Fe New Mexican
- 2023-11-08 [Arizona credit union buys bank in 11th such deal of 2023 - Banking Dive](https://news.google.com/rss/articles/CBMixgFBVV95cUxQYkVrcHZzZDllY1M5Q3V5SGJuZmNDMTZ0cG1XVHh0b3JtMU52cXVOelp3VVBDNHUzelFucldHTlhmYl83c01OemxfM3VJZmNNeFlmTC1LNnl1RExuWVBzdnF6Vkc0LUxjazNtWHFScXNzWUdtanU3MXNZTDV4eDEzSDRSQVdwdTV3eV9nVVJRNzNlbHRnMURsN3hrdDJfN2c3Q3Y2NGpCemplVUhGZ05ucTRiUGVYYTU4QnhlRE1iSFZIRHlLTHc?oc=5) · Banking Dive
- 2020-02-02 [When a small town loses its only bank - American Banker](https://news.google.com/rss/articles/CBMifkFVX3lxTE43ZzMxTmpadVJCaEhVdjZuSEM3dlFDNXM0X3hZclJkeXBsVm8xeGw4X21xSnBGQnRfcHdDdUNfaG03NVBtYVJPYzNjVkRpMzRlVDNJVWRBSUx5T2dydHpHaVd4ay1sck96ZF9fX3ZodGxDQ0RxQm1CZ2wxN3Yydw?oc=5) · American Banker
- 2022-09-26 [The old Valley National Bank in Phoenix at risk of being demolished - FOX 10 Phoenix](https://news.google.com/rss/articles/CBMinAFBVV95cUxPZVhaMUtSMUZjTFRrTjFRaUNNY3hkYWhIbFlxNUlBYXk3RnBVWjNBeFdMek5hRHVhdkhGRDVMMlkwN01Oa2oyTG9XMi0yOVQ2elBtU09Ec1ZmS3FIanRCMS1oNGVKOVAzbTg5eG1LdnNES1R2c3hJOHU2dHd3RU83RmdUY0MxN2pNek5sQ0FvYXd0TndkNWoybG9pdmLSAaIBQVVfeXFMTTVlSktOa3hZZ2xCV1NtSDFBYWQ2SjZyT0tMN29aVUpMS0hud0MtOU1TQ0tzWU5iUk56XzRPYXlJWE9IYTR2TXZKODVyQmo0LTBwTzJNN2dEblZlOGc0X1RfMFNXalVGdGJSMUJ2SEFRTXBvZUwxeVJqR3lFSHJ0dzF1QjFMM1M0cm4zWVZsOVduempVM1FqVk05MWJzMlNvUGZR?oc=5) · FOX 10 Phoenix
- 2020-11-18 [Native American-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMifkFVX3lxTE9MQVNiajFseGo2LW5UQVNLbzVEbHdCM1Jlekl3TDI0MnZuTWNuRDhMc1h6Nnc1STA4NU1jUnlFLXJ4NEs4Nm5pdG05UC1JYUhZRVljcnl0a1YyWUVnZzhQNkRSOXU2TVQwTmJRbWwwOUNkQ01EOE9SaDBzNTR1dw?oc=5) · Investopedia
- 2024-06-18 [Native American-Owned Banks and Credit Unions - NerdWallet](https://news.google.com/rss/articles/CBMiowFBVV95cUxOVkpYMnRXLXVURmF4UFZIMEZkWHBWYl9HZ25QZDREeXEyczZ5di1fYVVfSy03ck9FdTJRZWhrQk1UOUJSelh4Vkc4b0tPdzlmQWlzRm5wc1ZGMk93ekV6eE1YbVJvaC1GZ0Y3V3hNbDk4M2hHZzFOWVZLYVQtNUQwblV2UjlWTk5WRi13OEtzNFIzMVNrdXI3RUNQbTItMk9RTmJr?oc=5) · NerdWallet
- 2016-10-10 [Valley National Bank Class Action Says Background Check Violated FCRA - Top Class Actions](https://news.google.com/rss/articles/CBMiywFBVV95cUxNQUFLbFBZTThyNjBqV3hINnFBWHdGdEZXSFBCc2FCR0pBaE9pbkFaaXViX2QtZmxBMVVsQ3VneTFleHNiVldRRU9rWlhtRkY4TldZcTkzOXRja2FqZ2xESFJPSllWQkZIYnBDLTZVaVJSTm5JaXFvVFUtY3VleTlEdUJFUGhlWHZfQ1hKWElIUDBOUmI3am9TRkF1V2ozck5qblFiU0o5bXZ5NjIzRlAxY2JDc3NIbkZMM2RMOWRfd2lRUHdNRTZWRWpOcw?oc=5) · Top Class Actions
- 2021-02-16 [Number 1 Phoenix 82BB Arizona Territorial Sends Shockwaves - Numismatic News](https://news.google.com/rss/articles/CBMiowFBVV95cUxQR1dXRFZmVUowcGhNU0E4NTl3XzRHcnBoNXpxVmljRUpMYWlWTlNHNkljNVFFcUlDcFNSLVJFdWVwTXdJNTdDczh6eFFzVVJ5NmxsUmJpdUhZbzI4Um0zN0pCN1NIQjk0RExmcDJQQTFFaERLLVZURnB4R0J5Z3daX0Q1Mzh1WVRaOWZVckZ2bmY3MDl3eW90RXZLeENUbTFXNDRr?oc=5) · Numismatic News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19245 (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/45.json (key "19245", 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