# CENTRAL VIRGINIA BANK
POWHATAN, VA · FDIC certificate 21225 · asset band $300M-1B · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $346.7M | |
| Deposits | $308.6M | |
| Loans and leases | $141.5M | |
| Total equity | $34.7M | |
| Loans / deposits | 45.84% (p6 of band) | 77.63% |
| Liquid assets / assets | 45.78% (p84 of band) | |
| Uninsured deposits / deposits | 3.14% (p2 of band) | 18.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.18% (p3 of band) | 9.92% |
| Unrealized securities loss / equity | -2.23% (p40 of band) | -1.24% |
| AOCI / equity | -1.45% (p70 of band) | |
| ROA (annualized) | 0.17% (p8 of band) | 0.83% |
| Net interest margin | 0.93% (p1 of band) | 3.59% |
| Efficiency ratio | 72.81% (p58 of band) | |
| Noncurrent loans | 2.11% (p73 of band) | 1.18% |
| Net charge-offs (annualized) | 0.00% (p11 of band) | |
| Reserve coverage of noncurrent | 1.17% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 54.56% (p71 of band) | |
| Auto loans | $903,000 (0.64% of loans; DQ 1.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -4.9% | |
| Employees | 79 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 6 | expense ratio p90, uninsured deposits leaving |  |
| 2012-06 | 6 | charge-offs p90 | expense ratio p90 |
| 2012-09 | 6 | expense ratio p90 | uninsured deposits leaving |
| 2012-12 | 6 |  |  |
| 2013-03 | 5 |  | charge-offs p90 |
| 2013-06 | 9 | AOCI drag >20% of equity, securities losses >30% of equity, losing money, NIM <2.5% |  |
| 2013-09 | 10 | capital falling |  |
| 2013-12 | 4 | assets shrinking | noncurrent p90, construction >100% equity, expense ratio p90, AOCI drag >20% of equity, securities losses >30% of equity, losing money, capital falling |

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

- 2026-06-19 [Joseph Keesee Obituary - Culpeper, VA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOVWNFcTFzcUE0ZjY2cnpxY1NoVG1yX2Z0TG1NWUtmdTFMRXRSLUFoanF1SXNubWs2WG1VUnpHWTZ3V08xZTRLWlVSeV9ZQmR0TmtuSXl4eUVuWnFJOXU0b3FjRzBBVHlsdUgzVU9kR09YTmZkcHZXcUFBWnRsUC1CZjZUMA?oc=5) · Dignity Memorial
- 2017-03-29 [More Bank M&A on the Way in Virginia - American Banker](https://news.google.com/rss/articles/CBMiggFBVV95cUxNTUxhbFF1SW5fRmpqRnp5UTgyZVlXQ2x0T1ZiVG1WWXBCaGJpN1RDUGVKYXREVktjczBjWF8zYVhrcVNQTVA0SmlRZmVtd1RXV1AwY2x3cWtEZWR0cVlwRmRsSHFPeHJKTzdPV095aUQxTjhreGU2ZVJKUVRXX1d3VkZn?oc=5) · American Banker
- 2021-12-08 [Blue Ridge Bank partners with UVA Basketball players - WVIR](https://news.google.com/rss/articles/CBMikAFBVV95cUxOOEJ2MXIzQ1NjZUJDOXNXdUEza3FyS25aVFppaWdOTFZTblFMWEw2SkplUWZCUS1ZZ1lPNTRPRklkM0F1eDIyS09CdVVpZGRuQ25KbkdCa0dBdGxBbHVqODkwWDVqOWtQOXVYT3Mtek0wcDg5d1FoTmstb084ZEluRjNDN1BuMHVIdXlqeFd5Q0bSAaQBQVVfeXFMT0RZODJRLU1MV3Q0bFRkYTc1bEM0eFR2dVE0Wm9zZWVJRGZJT2twblc2emNIMEhoMm05VURPcG1CWnJqbUEtMkV5ZUc2dFVkSzBnVmNTMUF3WDhiTW92VldMLVdoMWpndFpEOTZvNWtsdDBmTTRkZDI1RUpHdUU2X3VGVnlXc281QnhLaGhiT1BEWjFvVFM0Y3dVQVZxY0drWjdTS3E?oc=5) · WVIR
- 2017-04-29 [Obituary information for Richard Frederick Solari - blileys.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE1sQXlQX2RUQzdCR3I4X1dmMVRJRVMycC1xQzR4NUNtNTY4V0loRHQyc0diQ0V1d2lsc0VBQkFyUnVMM3paUFg4VHMwNDJZYzFsMUs1amQyaWFjODRvSjk4LV9BNUZDbE1rX2pCTW5aX2VkMG9HMlFWQXBzdFA?oc=5) · blileys.com
- 2012-06-14 [Arrest made in latest Richmond area bank robbery - WWBT](https://news.google.com/rss/articles/CBMipAFBVV95cUxOMGs4U0RGMlhRNEQ1bVltLVJiWUZiSFZxNGFCTy1NX01SVk1VLVR2UXZLWWd5OTIzT1JTMUxtM055ZmxISkZ2RU9tel92bjUtQ3QyeExHNE14a3VQSXlHUzk5YWV2YnVqTDhIRmpudy1lWFRMYjlqVnAweFp0bHpqSDJrOTYyZW5RUkMwZVhOUnozSUpZQm1jYWpRcjBWN0pDbC1EMNIBtwFBVV95cUxPNGg1dGNpSXowbTYzSzJIQUJxd2Y3UVhnVXpqR0x0aEZ2N3NEaEQ3M01ZTHBRX1d0OGEyQ0k3X09oWksxcmxhYllfbV9HemlHY2Q0Sm9vTzJQOEllcS1EZXhmdTlBMzAxWUotNXRXOGhONzl3QmN2TnBISno0VXZxTXpNamswcXdvOEZ3ZmdHRWtHTUl2QndwUnRtNmNFY0xjaGtYYjk2MkVZTlZtMHF3TkZaNk1JTmM?oc=5) · WWBT
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2013-01-21 [Obituary for John Baldwin Larus, Sr. at Central Chapel - Bennett Funeral Homes](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1JUVN3Ql9TNC1CdDNuQzB1NDNFalRXdkY1ZGgzbjNqVnAxZzFTLVB2UXQ3YVZJREJ6a252WHFGcG1mYVBnZWwzQVBPaEZDdjhxbG9wWnpnMjI0X19mX1BETFp3?oc=5) · Bennett Funeral Homes
- 2016-11-23 [‘Soul Patch Bandit’ was shot by pregnant soldier wife - wtvr.com](https://news.google.com/rss/articles/CBMickFVX3lxTFBDcDl1RTBndmJJR0UxTDhOdEZUaVBNWlFXVndFeGgzc3BfQlFURFFXdFRVTVozRDV6TldYRTN4NUhxUFJUY0ctUDM2MUo4WndNQXc2OE9yYzNJTEFncDVYV0hNNWFNR2cyaTFYMDFjeWV3dw?oc=5) · wtvr.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21225 (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/41.json (key "21225", 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