# BUSINESS BANK
VIENNA, VA · FDIC certificate 23567 · asset band $300M-1B · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $333.5M | |
| Deposits | $301.4M | |
| Loans and leases | $246.2M | |
| Total equity | $30.5M | |
| Loans / deposits | 80.70% (p56 of band) | 77.63% |
| Liquid assets / assets | 25.51% (p41 of band) | |
| Uninsured deposits / deposits | 29.24% (p81 of band) | 18.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.25% (p32 of band) | 9.92% |
| Unrealized securities loss / equity | 0.14% (p75 of band) | -1.24% |
| AOCI / equity | -0.10% (p88 of band) | |
| ROA (annualized) | 0.29% (p12 of band) | 0.83% |
| Net interest margin | 3.52% (p46 of band) | 3.59% |
| Efficiency ratio | 83.08% (p82 of band) | |
| Noncurrent loans | 0.42% (p21 of band) | 1.18% |
| Net charge-offs (annualized) | 0.30% (p77 of band) | |
| Reserve coverage of noncurrent | 287.15% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 116.27% (p95 of band) | |
| Auto loans | $141,000 (0.06% of loans; DQ 11.35%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 | construction >100% equity | capital falling |

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

- 2026-09-03 [6 best online business checking accounts of September 2026 - CNBC](https://news.google.com/rss/articles/CBMicEFVX3lxTE5IZmdQR3g5U205bXdSWHlCM2N3cmxaNmZkejhON0dlcG13Z3RHLUs1akFsdXlVUWhtTC1abEVzc2tJRGQ0a3h3a1VEdE9kOHZqOFpCZUQ4emtTLXBwWi0tTzlUUV9oUm9rVUJjUWZhR3fSAXZBVV95cUxObzJoQUxIc19ocEN4M3hrS09XMG5WbXlQNVBmR0RDaTZHaExIMzRsbV85bmRxamtnVjQ4bHdrX182QUdpUkFTSEo5UmFhRmJJWDRSQ2k4S0V6a3dDS3hmblpmZGZTZXlyMTZzazJUM3ZxNWFrZ1JR?oc=5) · CNBC
- 2026-08-21 [$38B Virginia bank doubles down on Triangle with branch expansion - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOSFNZZ3o4T2gyMGtPS3ZXWnNMUGxMZWNtMTRKeXEtTlMtTTJickNqOURhWEM0Y1VadVZSS0hfUWV4M3plQ0Y5ZVBvd21CaEFHbXRLT1lTSjBQdzJJTmdfN19QYXRON0ZYWTVfZy1mODF1cTJVU1YyWmwySHZNRmRlSjRnQkRSQ1NzXzZ0S3BBMDlSc21HNVA3Mzh0MUhWd1dndlNHMVA2dm8?oc=5) · The Business Journals
- 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
- 2026-08-04 [9 Best Banks for Small-Business Loans in 2026 - NerdWallet](https://news.google.com/rss/articles/CBMihgFBVV95cUxNVk9McmNBeXNPUHF3UEhkaThMSXVFUnBGRVJwM3BLdEVJU25RZ1NucHUtSFV1ejBLLVh5WUVYMFJBSmFsc0R2Ul9kTndyN0hSX0ltVTBoRGRURmQwMVFnR1BSLXVfcGxVYTlLY3hXWTMtc3JMVkNnUWRDNlUyTU1IZ081OGw3Zw?oc=5) · NerdWallet
- 2026-07-14 [Carter Bank Named Best Bank in Virginia by Forbes - Yahoo Finance](https://news.google.com/rss/articles/CBMilwFBVV95cUxQNjNyUnNfbUV6UkQ5dlVsVXROdE5mNm8wSWVtc0djTEVVYzhuN3VFQXlPbzhmVGRlajVNU1BmbU9WSUpyaUlfUmowREJ5dnhoWlV5bTlNMEcyN3M1akx6a1NValhscnJrcWNpNjVNTk9va2xQWTIwa21KSnhnVm5ER3JxWWxkSkZkcWpKN19Dc05fV19UdUZZ?oc=5) · Yahoo Finance
- 2026-09-01 [Best business bank account bonuses of September 2026: Get up to $1,500 - CNBC](https://news.google.com/rss/articles/CBMiakFVX3lxTFB3eG1sNG9nR2F6c0JXd3ByWWFYRXFCdld5WGk4a2EwTkJnc0gwcGhaM0FIOHRzRmtIMG5hX1Y0Q3A4R1QxaTA3TlEzV1BLT3UzQmpFb2FPZTVZaGNyaU1QazRJWGdQSVhCNnfSAW9BVV95cUxQTkNGMkZsdWdZVS11dlZqZFFZbC1ZVHIzaGdCQTRhQ2xjWWc1WGZKdlJEMDVSOFdFNy1zOUpuNUV5RHF5enhyU3BEcFBDanp4ZktSZ2UyZ2xzQ0FzNEtCRXpNMngwT0dUVllmRi12Q0k?oc=5) · CNBC
- 2026-07-05 [Compare Small Business Loans & Grants for Veterans in 2026 - nav.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPRmhIQTMtZ0ZzSGZNdW1ZYlpqZzZzdlEzTWMtbE56WDRrTldxV0NzaTZaRmtDT0h6X2E3Y3plajRKN2VqM1dDVEJYQV8zeXNUd2VfZTFUR2tZWmdkeWdzWHE0RUJVYzhLT1BUOS1wUFZjemFydmd3OEI0MHhvZzZxQ3BDYnpLbjdCeGY0bExCN0gtdmp0aGxJ?oc=5) · nav.com
- 2026-02-20 [First Business Bank Funds $2MM Factoring Facility For Virginia IT Consulting Company - ABF Journal](https://news.google.com/rss/articles/CBMisAFBVV95cUxQZTdqb3lUSWhKUmRQb0ZqMm5JaEVvM0VTY3Z0NTE1dVZLUFN1Yl85eVRwOTktRTNndHlrR3pLUm14OWZLNFl1REN3bnVRd3R6Z1R1ckJGQmNkYUlEMHRrUDJFZ2c0RDNtMjdqSU5rUThjNzgxQ2FLSklVSFdTX1lhcHV2eklVdDBOM3NwdkJFMXdwVE9sTXFfUS1wdWU5d0JfUXpESG5SU3g0TEJSVUtSLQ?oc=5) · ABF Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23567 (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/15.json (key "23567", 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