# VALLEY BANK
PUYALLUP, WA · FDIC certificate 21231 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $233.2M | |
| Deposits | $203.2M | |
| Loans and leases | $123.0M | |
| Total equity | $28.3M | |
| Loans / deposits | 59.61% (p34 of band) | 68.67% |
| Liquid assets / assets | 45.37% (p69 of band) | |
| Uninsured deposits / deposits | 16.55% (p70 of band) | 11.61% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.70% (p71 of band) | 10.18% |
| Unrealized securities loss / equity | 3.57% (p91 of band) | -0.21% |
| AOCI / equity | -2.23% (p55 of band) | |
| ROA (annualized) | 0.68% (p44 of band) | 0.77% |
| Net interest margin | 3.37% (p38 of band) | 3.59% |
| Efficiency ratio | 83.42% (p71 of band) | |
| Noncurrent loans | 2.08% (p67 of band) | 1.13% |
| Net charge-offs (annualized) | 0.09% (p63 of band) | |
| Reserve coverage of noncurrent | 72.56% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 7.22% (p35 of band) | |
| Auto loans | $95,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.4% | |
| Employees | 65 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 1 | reserve under noncurrent |  |

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

- 2026-08-25 [Embattled bank names next CEO after investor challenge - Banking Dive](https://news.google.com/rss/articles/CBMiggFBVV95cUxNQktHTzQ5RkNsWnJuaXVUWUQ2ZUpKZGxzVWxzLWMxdC1zT2JTa3FsUVNFQlBpN2l6bGpfR1RnbmRxX3Z2TEZra05ES0kyTVZieUpZUjN5YUllSG00c0Q2OUtLOFFMRzlCbDU3dG1QU2NjT2g2RkdHMkpkWVc2cWtfWGVB?oc=5) · Banking Dive
- 2026-08-16 [Willamette Valley Bank bought by Washington-based credit union - Statesman Journal](https://news.google.com/rss/articles/CBMiugFBVV95cUxNc2RjMHh3YlBCcW1iOGVOZ2JtSkRpcGxoLXR5R2Y4UmVxaTZhb0JfSUNmd1FpT2xJWGlyUXJqRFdDZUNFdi15VC1hdlozWngzUEhWZ2Fmdk9pQWtRR3N6NnJ6aVBVM0NjWWQ5R3A1dk94YlJBLXhpTktaWlk5UHlUd21UYmtyWVRITkhDeXVjZnNXdUdlWEdab2dKYjlMbGVkX2xiYUFja0tjM1lhbEhiblhBODE0ZTJES2c?oc=5) · Statesman Journal
- 2026-08-13 [Washington-based bank to acquire Salem’s Willamette Valley Bank - Salem Reporter](https://news.google.com/rss/articles/CBMipwFBVV95cUxOWURXRUdDWnc1NklrLUlKckxzVzExNno1VVhnSmItdTVKZlM4SlY2ajk2TGUyNVEtZEprb200SnVZWjVsTHQ3SVMwVWFsam1TRDU3RDFhd1BKOUNPU1phTkJ4MV93aklLcVlKS1p4VVEzS0lsR2M3cDBLRGhGOHg5Z1BZR1Z3NDNtNjNHb2JIalNnNjhWa1hkUVNBazJFR3RERVBwTGs4MA?oc=5) · Salem Reporter
- 2026-07-23 [Cashmere Valley Bank Board of Directors Comments on Shareholder Communications - Yahoo Finance](https://news.google.com/rss/articles/CBMiowFBVV95cUxQbVRuZGNsSmV5dEV0Vlp2SnVlWHFhZTB2UlA4SFg3TURNUGhsVFN5cDFEbUVKekxuR1cwejFVNTN1amZfTDRuZVZ2d0pYbGxqVEV6dXZpcUJDVVFNWHNCaDNSLWdBVXRyOWsyQURfV2JMcTYydjltMDFMdFdlUVktNEN4QWxSOUJkY18tcVp1U2Z4RU5QRVNoaGRRTkpocEp0ZThB?oc=5) · Yahoo Finance
- 2026-03-20 [Fed's Bowman says new external review of Silicon Valley Bank failure underway - Reuters](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOR01VSURTMVN6SGRmV0xmaEF1NUZhTXBrSVJ0ek1reGZpckFqdVYtOGh6UzFsOG5NNjRRZWZfQjhtRjBYLXA5TzEtSl83akRDcGd1a2dySVIwYnFPVjN5ZmJqTlVMTUVxM2ZsbTdWNnFONFVSRE1qajcza0JMRGxtalJMdkpOYXRJcmhQS2hreGw5VjVVNXZkWi0wTk82Q0t5TVRuY1dxbmhNTmtKQWs2MEYzMUVfSE9RdUdieEdkcWFRLVlZVDhiWDdWcGZsNmQ4alVXbGhKaURRbW9NVW0yZ0FmTQ?oc=5) · Reuters
- 2026-07-22 [Washington credit union acquires Oregon bank - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNSGhiek83clZ6eTFUVXBDNHZ2Zmc2YlV5Rkc3R25rYWRiUGZsVV82amZKd0x2TkNuUXFOLUFwVFdMbG9sRGl3SDF5UktMejBiOXZMQk5XR3BQbUpWd3VyYzdidXNmZC10NEt5UjZudERLMUJ0TnMzZ0Y5V3l6dnd0RDlyTzdSaE5iVFZvRmRrRmtRT1l2VUlEZjNzemx2Y00?oc=5) · The Business Journals
- 2026-07-21 [Gesa Credit Union and Willamette Valley Bank Announce Acquisition Agreement - Business Wire](https://news.google.com/rss/articles/CBMizAFBVV95cUxORDZ5YkJTQ3hleEVsUWJHUlhFdzBpb1RQazVlUWhZTjEwR05oRUM1WFJHaDhydmhITUwwaHhMV0M3Slh0RVRRU0xZSEF1VmpkTWdDR0ZtUG1RTFd6NTZINUZEWnRCYTBPWHFoeVBLOUgxRlFNQ2FWUEd2c3hzT2hNdG5ZNGk3eTA3U2paTWNfYW5CLWY0cHhEeFJUM08ybnlZRmxaNTNoNG5idkhGdlVNb2NHeEFORHdqRlQ4R0VHemVZUkQtQy1zUjlHcXc?oc=5) · Business Wire
- 2026-07-29 [Activist investor prods Washington bank to sell - Banking Dive](https://news.google.com/rss/articles/CBMimgFBVV95cUxPWGhuT2pGUGJONHAwblpxVnhpN1pUb3VuVzZoOWY1RnJ0VTIxQko3ajNIN1ZJSXN4ZUNqYmkydU91bW1iSUl3c0ZXNGtIRTNkZnRDS3ZkbU00cWNaOWdBcFdyZkdlLVhGakxrekRIa2hleTJsQU9VRDA0LUFraWRJNXJNNGg1a2ctcDhWeHRvQmUzMHNxaEdVRVJ3?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21231 (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 "21231", 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