# VIRGINIA COMMUNITY BANK
LOUISA, VA · FDIC certificate 22331 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $251.5M | |
| Deposits | $219.6M | |
| Loans and leases | $179.5M | |
| Total equity | $25.9M | |
| Loans / deposits | 81.07% (p56 of band) | 77.79% |
| Liquid assets / assets | 22.43% (p32 of band) | |
| Uninsured deposits / deposits | 13.34% (p39 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.86% (p54 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.75% (p37 of band) | 11.56% |
| Unrealized securities loss / equity | -3.25% (p1 of band) | 0.80% |
| AOCI / equity | 1.38% (p38 of band) | |
| ROA (annualized) | 1.08% (p52 of band) | 1.05% |
| Net interest margin | 4.78% (p91 of band) | 3.84% |
| Efficiency ratio | 71.89% (p57 of band) | |
| Noncurrent loans | 0.04% (p20 of band) | 0.56% |
| Net charge-offs (annualized) | -0.01% (p14 of band) | |
| Reserve coverage of noncurrent | 2342.42% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 87.64% (p93 of band) | |
| Auto loans | $1.3M (0.70% of loans; DQ 4.82%, NCO 0.02%) | |
| Loans to nondepository financials | $615,000 (2% of equity) (p97 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 56 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | charge-offs p90 | noncurrent p90 |
| 2011-09 | 4 | capital falling | reserve under noncurrent |
| 2011-12 | 3 | reserve under noncurrent | charge-offs p90, capital falling |
| 2012-03 | 2 |  | losing money |
| 2012-06 | 5 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | construction >100% equity |
| 2012-09 | 1 |  | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-12 | 0 |  | charge-offs p90 |
| 2013-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2013-06 | 3 | charge-offs p90 |  |
| 2013-09 | 2 |  | charge-offs p90 |
| 2013-12 | 4 | charge-offs p90, assets shrinking |  |
| 2014-03 | 6 | losing money, expense ratio p90, uninsured deposits leaving | charge-offs p90 |
| 2014-06 | 4 | charge-offs p90 | assets shrinking, expense ratio p90, uninsured deposits leaving |
| 2014-09 | 3 |  | losing money |
| 2014-12 | 2 |  | noncurrent p90 |
| 2015-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 1 | construction >100% equity |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 0 |  | construction >100% equity, capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |

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

- 2026-03-01 [Virginia banks saw big mergers and acquisitions in 2025 - Virginia Business](https://news.google.com/rss/articles/CBMidEFVX3lxTE1WOWxCLXJ4V01nNEgwWnFpQU11bjJaam5sMWNKMThHSkFJTG1pVjhHcTNBVGt6VGJkU1V5QjFfRy1aNkpWWWUtYVBqTlFzUzFqckx4clRQejkyY1IwdVRWakZyaWp6azgweEVzVnlDQkFRUXJW?oc=5) · Virginia Business
- 2019-12-16 [Blue Ridge Bankshares, Inc. Completes Merger with Virginia Community Bankshares, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOWGlNSGM3cHlFTm1EcXhPbE9ITHNHOHlNMzdQLWZvRWZkYVdmaDdUaGRrNmNjS0xjTVVsNm5NT0N6bG5udkFCVXZqWTh4TXhrU24zMTUwOGRreDJfYzdtalpITlFBRDJlZ0ZfdnY2enBHcXhrTDh4YzdybVlwaGVjMWdrZllVeGtrYkxpR0xRM25MS3h4NVpVWEd5M2NubDNnQWdEZkk1R2xEazNFSG5yeVFWbS1naE82NDZMeE1DbXFzSndzU2JGbk5aSk42QUtYTHlr?oc=5) · PR Newswire
- 2023-08-25 [After nearly 200 years, a Virginia community bank does its first deal - American Banker](https://news.google.com/rss/articles/CBMipwFBVV95cUxNMWJnSm1MellldS1uMXFmeHlSdVl0dG1oQ25famJpWl9Zc1pJSG9hcURDYlpuT1M4a0VuMkRCWkFVbG1lazRJbE85LUUzc01xMUdYM25wYzhVWTVvNnN0UlpjWkdlR3ZnOU03ZmlpZXFIWHlMRTNoNU5lVzBsalNUMElDRVJFUnZOODhsckpBM2RtZS1yckdqY2FKQ2lXZnZ6ak5LUU11SQ?oc=5) · American Banker
- 2026-05-04 [FVCbank Expands Into Hampton Roads with New Virginia Beach Loan Production Office - Business Wire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQMF92ZmdvNDdvM3l1SEdnZDViUkxTVlh4alkySkE0UFdfRVRkU3FtM0VDX1lLTGJzV2V0XzJPY3k4VWpaakNBSFJGc3lZVEdRdlJfVC1MRXlka1JQVzc3UHE3c2k5RXRrTk9WbTVIbm1DOTdqSHdPSk1aSXpKVV9ER1JqNlp1YVUtWVA5WEVubU9ic1J3TTlqYjRZcmo5YlI4U21iaGdWdmZ2Q1E2a2VZbmRabW9JLVN4NWVjZXc3Ums3ZkNULTk0WkJLQ1F5b3VkMThzYQ?oc=5) · Business Wire
- 2024-04-19 [The rise, fall and recovery of Blue Ridge Bank | Business - Page Valley News](https://news.google.com/rss/articles/CBMifkFVX3lxTE1rcThnbi1Vek0yVURBZGR0MjljdzRsX2lXcUVzMEt3Z3VFcnBtYTBvTlRtRDliN0JUa1hvY0UxczEtX2h0N0lEWDhmcG5KcW1NdTBBQWtHODNoV1hFekp0NHNiaFJLQ3R5akJvRlpZSFR5U01CZjBiUmxlTDRqUQ?oc=5) · Page Valley News
- 2025-04-25 [National Bankshares Va (NKSH) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTFA5RkZRVU1EUEpjLTBYMU8yRm9BcFYtcFljMk96Q0VveUdaWjRrMnhtbm1ESW5xWTJEc0ZhQ0RLUXhZWXZQOU42bnpXMk5LaU1uUGdz?oc=5) · stocktitan.net
- 2026-03-27 [Loan sale cuts bank's thorny ties to West Va. lawmaker - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxOZWxpSWhPaXByOHBkVmx5U0lFR3ZXSzBudlRQNkV4Zi1qSWJkeGdaaEJyWHhQZS16N0ExTWU5R2JjMnZ1LWJWUjBDTHgxcElzODU0V3ZVWndPUHFMYm9LZWxYYzNyRjJpcUotWjZrdVZnVVZUWk9wUmZsSDcxX0NQbnRTQXdyb0pMdnVKSFYtOXpxZw?oc=5) · American Banker
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22331 (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/59.json (key "22331", 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