# VALLEY VIEW STATE BANK
OVERLAND PARK, KS · FDIC certificate 19631 · asset band $300M-1B · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $845.5M | |
| Deposits | $676.0M | |
| Loans and leases | $287.9M | |
| Total equity | $118.4M | |
| Loans / deposits | 41.74% (p4 of band) | 83.90% |
| Liquid assets / assets | 63.27% (p97 of band) | |
| Uninsured deposits / deposits | 15.35% (p28 of band) | 21.07% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.88% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.14% (p91 of band) | 10.15% |
| Unrealized securities loss / equity | -5.14% (p10 of band) | -0.98% |
| AOCI / equity | -2.27% (p29 of band) | |
| ROA (annualized) | 0.91% (p48 of band) | 0.94% |
| Net interest margin | 2.60% (p5 of band) | 3.62% |
| Efficiency ratio | 56.67% (p18 of band) | |
| Noncurrent loans | 3.58% (p97 of band) | 0.61% |
| Net charge-offs (annualized) | 0.03% (p46 of band) | |
| Reserve coverage of noncurrent | 56.31% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 55.40% (p64 of band) | |
| Auto loans | $777,000 (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 125 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 3 | capital falling, losing money |  |
| 2011-12 | 2 |  | losing money |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | noncurrent p90 |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 4 | NIM <2.5%, charge-offs p90 |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 3 |  | NIM <2.5% |
| 2013-12 | 4 | assets shrinking |  |
| 2014-03 | 2 |  | charge-offs p90, assets shrinking |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | noncurrent p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | noncurrent p90 |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |

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

- 2011-08-12 [Valley View State Bank blends regional reach with community feel - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPVXdyM0RVd3VfT2drNnRjaGlwYk5hMUFnTVRmaTV3SWhNVVJZRzVxUVVOZlFVRFI1V2V3S1U0S1BUaS00dWV0MVpaLTlaeFhqaTYxUnNvblZoeWFWYk5penRKSl9Ja2FIelVDMnVXUDY4RkVIOUNfRnNMRTZSOFRiMDJxZTM3eXJ6eGN5Z0hFa3RkSnJHS1NZUzhFZFFJV1ZlcmF0R1U1RXVwOUE?oc=5) · The Business Journals
- 2026-07-05 [Joanne M Gay Obituary Jul 5, 2026 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9sOW9Bb1ZzRUtjLWswUG1qYlF1REJvZU9DWkxLalVUUE5GVGl6TjRuNFNSbU5OV3FuSThPSXkwaW5jNVpvZjZCaXVpdVBSLVFQU2ZoX3d4ZmNDMVYy?oc=5) · The Amos Family Funeral Home &amp; Crematory
- 2025-03-03 [Gloria Imogene (Metcalf) Roberts, Age: 91 - porterfuneralhome.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFBsbmk3U0pRYUlMcDFyc09laGhuT0FSVHFWOHF5Wm1DVEIydmZENGozUWNzZDhTTW9LTHE4Y2tmeWliNlhYLUh5R0g3aGM4ZDkzb1dPc2ZUOWtXd3R5b2Qxb1VBQ3pIX1dCOTVKNGItem8?oc=5) · porterfuneralhome.com
- 2026-01-26 [Grace Ann Watson Hockett Obituary Jan 26, 2026 - warrenmcelwain.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE5UUXFxT3A2VFJOaHFTX3pFTndHMzhxcHFpVkpOdnhSbmZqR2k0TWNBX3ZjZE1DM00yN1ljeFJCeXFjSEcxMEdFUEhHdUVrMFlMSUcyamtkQW1ya1JQNllzMzdfOEFIZlVGZ19KLVhkTQ?oc=5) · warrenmcelwain.com
- 2025-04-19 [Catherine B. Litzenberger Obituary Apr 19, 2025 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTE9BSkVBLU9GWUs1Z0lMdkV1aFMweEMzWFFTZ0pPRzNPUkhlSXlkQmNLX2Z0RS1fbWVxb05vbDZVbTlKd3RhMm5vTlJVVlJzTExrWXB1d3VqRERoZGluc1JDVVlUNlJyWUtJc3RDaA?oc=5) · The Amos Family Funeral Home &amp; Crematory
- 2019-03-19 [Dorothy Sheldon Obituary - Olathe, KS - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxOM05yZWlVRnNSMkp0MXFXdmVMWmxGeXFVYmtqYXY0NzJPWGpRT0VRSDVtRnR1M3ExbnVoMllRczJuVkdnb194OE1la25xVzRKbFdZajVRTWloZVhMZ0x0QkdjdUtmWFNpX3VqY2E5Q04yMXktMmpVVHVRY3J2ZWFMb19B?oc=5) · Dignity Memorial
- 2022-06-23 [Janet Helen Scheele, Age: 78 - porterfuneralhome.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNVnI0dTFLOHBfYTdTaDJJZ0RPV2ZJVTlfMU9SSkJ1Q21oWjc0VThoTGN0WWd2bmJJUEYybTJna1lTZ1pPanpEQTNnTEFaVkxTWTFJd0IyWGZBcGlIekIwRHhLZHhLajlPdzJicW1UZEd0Ri1qMTcwbnB2WUpsMzczNVl4REVvNmdoLUFPcERWQUY2Zw?oc=5) · porterfuneralhome.com
- 2021-06-11 [Martin Brown Obituary (2008) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZ3BZQmh6TUJRazJiZTdPWkN0dWdwMFFRd1l4Y09UbG5Ec1BybDhHRVJ6SVFIODJSV0JyVFZpRlAyeVl1cDRaWmFnbEExSTV5U0xhMjlFd0k4TW9udjI3bmRjZ0QxaXIya19PMkxZYzdTRkVpOFZQcjRDV3FDemdIY0U5dXRQUENMbFZmdDZn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19631 (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/47.json (key "19631", 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