# VALLEY BANK
FORT LAUDERDALE, FL · FDIC certificate 21793 · asset band <$300M · latest filing 2014-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 14 (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 | $81.8M | |
| Deposits | $66.5M | |
| Loans and leases | $51.8M | |
| Total equity | $436,000 | |
| Loans / deposits | 71.30% (p56 of band) | 68.03% |
| Liquid assets / assets | 33.19% (p44 of band) | |
| Uninsured deposits / deposits | 15.51% (p64 of band) | 12.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 15.88% (p94 of band) | |
| FHLB advances / assets | 15.88% | |
| Tier 1 leverage | 0.55% (p0 of band) | 10.34% |
| Unrealized securities loss / equity | 9.86% (p99 of band) | -0.15% |
| AOCI / equity | 20.18% (p100 of band) | |
| ROA (annualized) | -4.94% (p0 of band) | 0.74% |
| Net interest margin | 2.41% (p6 of band) | 3.59% |
| Efficiency ratio | 148.78% (p99 of band) | |
| Noncurrent loans | 15.93% (p100 of band) | 0.94% |
| Net charge-offs (annualized) | 0.01% (p59 of band) | |
| Reserve coverage of noncurrent | 52.98% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 1621.56% (p100 of band) | |
| Auto loans | $2,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -21.2% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **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 | 4 | losing money, expense ratio p90, charge-offs p90, construction >100% equity |  |
| 2011-06 | 3 | reserve under noncurrent | losing money, charge-offs p90 |
| 2011-09 | 4 | losing money |  |
| 2011-12 | 8 | leverage <7%, leverage <5%, capital falling, charge-offs p90 | expense ratio p90 |
| 2012-03 | 3 |  | losing money, leverage <5%, capital falling, charge-offs p90 |
| 2012-06 | 5 | deposits shrinking, assets shrinking |  |
| 2012-09 | 6 | expense ratio p90 |  |
| 2012-12 | 9 | leverage <5%, AOCI drag >20% of equity, losing money | reserve under noncurrent |
| 2013-03 | 6 |  | expense ratio p90, AOCI drag >20% of equity, losing money |
| 2013-06 | 6 |  |  |
| 2013-09 | 12 | wholesale funding >15%, capital falling, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2013-12 | 13 | NIM <2.5% |  |
| 2014-03 | 14 | expense ratio p90, uninsured deposits leaving | charge-offs p90 |

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

- 2026-08-24 [Police hunt for straw hat-wearing suspect in Largo bank robbery - FOX 13 Tampa Bay](https://news.google.com/rss/articles/CBMilgFBVV95cUxOanN2UHo2U1BjNWtnSXViTnRrVmNwRWhVeGRoQVV5OFMyRzZUWTBBQzd1TGhFOGRtSnFjVmtSNXd6c2Vxazc5V1BHRi1XZUVnWFdkYmQxN1NBM2JES0NtTm8zeWJvZnl3NWJvMEV1TDNKOHpqbWFkdHU0T2lGR00yTFU0SU10cHNSeW5menJDU1JWSVk5eUE?oc=5) · FOX 13 Tampa Bay
- 2026-04-02 [Valley National Bank Celebrates Opening of Melbourne Branch, Strengthening Central Florida Relationships - Business Wire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQWDV0YURWUjlvQ2J1Y2tEaENWVVU1QnFDSUV5WXJJa2g1d2gyV1E0bjRUNkRxcmVFb1MyT2xUQ2x1c29sRVozZkl5WUpKaXpkamMxMkU1RjFSQWcyWVM0aExJblpkTkVFOHNTeDdlN01LZm55dEdMcEpHbFVQM1YxclpFcnJvc242N1RRRUNfWmpVUDNVUFRmSUxCNjVIc2NIZjFFRmpHRjVtUGdNa09zVDE0R2h5MXZLb0tBa05IQU00TkNKcm1kdWJzV21VN0JjMnJlcjNmeEZqb0JCUXYyd3BSVVplZkpXY1RybnJTS2JsUQ?oc=5) · Business Wire
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-05-14 [Valley Bank inks $21 million in financing for Florida retail projects - Real Estate NJ](https://news.google.com/rss/articles/CBMikAFBVV95cUxQMnZDdlR2QjgxVXAxYUs2NTBFakJibnI4S1EydTVISTNoeVVzcUNPcEVMenBya0lfNTRKN0ZIZzlGWFhCbXNJN1UzTlJsZ184UExob2ZfcGRXcE1Zb2ZnZkh3azdKeUY1N09USTFrVHkyRWtEN0x4V2k2dEp6eHU3NlVqTnhFWGdveWRDbWk4bnM?oc=5) · Real Estate NJ
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2026-02-23 [From growth to execution: A 2026 roadmap for Tampa Bay businesses - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxORGxMRWFyQnd3YzlXRFpaU0pMM1U2Rjl4Q0NYUVNvNF9oeHhnTUZ5X3luU0JqclhtWk03djdzeGVlZ1dmLVBnemliNHd3Umc3MlRwcHQ1ckxMU1JIc19VaFdxWnNEbmZuNi1NX0pwcU56MEtMYnFhaHlSNzhuZDNVUU83Tm80bkNkc2ptQ0IxMVZpSm80SEYwRWh3cHEtYTRnNWhfVQ?oc=5) · The Business Journals
- 2026-01-07 [Valley Bank Strengthens Local Communities with $106,000 Investment in Education - Business Wire](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOdzJ6NVlXR2VjeVVaQ0NlTmVGU2lyeVVyTkFUS1V2OWwyaEhSdE42ajhmNjlwWW1xNWtwRUlIelNFQnl4SnNSNFlIV3JGTE8yQUthc0dTU2FNdFRyNVV2QTRFM0Y1cTlpbDA2bVpGNWJPejhoYmVRaWxDQ3ZhMUVQU1F4NFRLRkRFVGMyZWg1R3JWckw5MFZjS3d1VzAzNG5uZUNvamJTOU5FWWVTWlJTYUJleVhFaVV6U0Z6bXczSXBfaVZfNWRtZXJkeE42d05oZFhN?oc=5) · Business Wire
- 2025-10-22 [Is your business prepared for Tampa Bay’s high-growth, high-cost reality? - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxNcGNiVFJVc0dMTDBOUnJ0NG9sdVNQNlpiQS00aHB2OFViRllDT1JCZmVVVkt2RUtydDVzZFRMQTliRllzckRpa3ZIN3M1YnNpN0dnbVVqelp5SzI4blBIQnpvTTRvYldEbzZYUDBWS3ozbDdlb1hvUlp4Yy0tRUJuLTJKS05mV0tuR3ZxRHBHUExFVW15anRFWmQxTUo1MnFqV1E?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21793 (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/33.json (key "21793", 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