# RACCOON VALLEY BANK
PERRY, IA · FDIC certificate 245 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $486.0M | |
| Deposits | $430.2M | |
| Loans and leases | $382.3M | |
| Total equity | $46.1M | |
| Loans / deposits | 87.55% (p65 of band) | 82.04% |
| Liquid assets / assets | 19.15% (p29 of band) | |
| Uninsured deposits / deposits | 35.79% (p81 of band) | 25.97% |
| Brokered deposits | 3.09% | |
| Wholesale funding | 4.32% (p55 of band) | |
| FHLB advances / assets | 1.23% | |
| Tier 1 leverage | 9.57% (p25 of band) | 10.81% |
| Unrealized securities loss / equity | -2.20% (p78 of band) | -8.10% |
| AOCI / equity | -1.17% (p19 of band) | |
| ROA (annualized) | 1.62% (p71 of band) | 1.28% |
| Net interest margin | 3.97% (p53 of band) | 3.91% |
| Efficiency ratio | 56.04% (p34 of band) | |
| Noncurrent loans | 0.74% (p65 of band) | 0.43% |
| Net charge-offs (annualized) | -0.21% (p0 of band) | |
| Reserve coverage of noncurrent | 200.46% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 166.44% (p98 of band) | |
| Auto loans | $390,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 52 | |

## 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 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 1 | construction >100% equity |  |
| 2014-03 | 0 |  | construction >100% equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | construction >100% equity |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | reserve under noncurrent |  |
| 2015-09 | 0 |  | construction >100% equity, reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | deposits shrinking |  |
| 2016-06 | 0 |  | deposits shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, construction >100% equity |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | uninsured deposits leaving |  |
| 2019-12 | 1 |  | uninsured deposits leaving |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | capital falling |  |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | charge-offs p90 |  |
| 2026-03 | 1 |  | charge-offs p90 |
| 2026-06 | 1 |  |  |

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

- 2021-10-03 [Raccoon Valley Bank holds ribbon cutting ceremony to show off remodel at Adel branch - The Des Moines Register](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNM2pBUWZyNVlCanE1enV6aUJZRW1NdHNsWFZpc1ZsTmVGVHdyeGsxTHNhb3RfTEFEQ0RfbE1TNTRUc01YMmxXTjUyeHIyS2wtdHI1cVQzUkc4M3BUYjBEOXNNanhCX3g4Q2pVRGNMSS10cE5pU25MTW9wYS1KT2RKd3RMVjNjNFpoT1ZCd09tQ3QtVHVlc2hLTjV6UjJLSnpqM0V4WHd5dkdJUnhKeVJSLUpmeDNKTTFqSzZ3X2RQVDdfZURndGdiYjk1Nk1LR05xLVdJ?oc=5) · The Des Moines Register
- 2026-04-21 [Raccoon Valley Bank Receives Perry Chamber’s Business of the Year Award in Large Business Category - Raccoon Valley Radio](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQVXdIUmlYUWpFV2JIdWNsX3VwN1hfdkNnUF9qSWszN2tOYV84UmNzcXFNWExZSDRxY0pUdktfdlRFNkFhTzZSUjhKTnlUYlpQNkdVN2s1Mm5URWZrWXNmaUFlc2paNlNVbVZoY3JwOGtuT3V4QlJSYVNZdTJ4YkN4TndMMkJqekkySllNZTdGOXNyTFdVTDFFbkVzZEpVSGw3RXg2emxiMjhvRlFCcW1ONFVwZnR5OGpqMDlwUXo0WTJyLTJIN0ZGaEIyMTd5N0tVaEMwSTdwOFhtbmdW?oc=5) · Raccoon Valley Radio
- 2020-07-18 [Raccoon Valley Bank CEO Appointed President of Community Bankers of Iowa - Raccoon Valley Radio](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNR2R2MnZBTTJZa2R0aXZqMmhhUFRLVTZqZGNOLUprY0FfQkVWUTUwOTI4OTFjOUFZNS1EUFVHNzhGZTlnQ2pDSkh2VERQMGRuVndMMXZzYkFEbW13Ump1Sk1MV2RxeVNyWlptOTdTaGY2clIzTW51bFRkSU5zZmstVUhOS0hkbTRRbnZ5eF9ON1Z0NUFRczZaZm5qZ1ZpZTVpNGdnbG1sVWJWckJnMTRoX2lDNW5oQ1FucS1F?oc=5) · Raccoon Valley Radio
- 2014-07-24 [Millsap and McDevitt join Raccoon Valley Bank - The Des Moines Register](https://news.google.com/rss/articles/CBMinAFBVV95cUxOYjZXbEhyaFZyNXpkWEV1R0ZYZ09TYzVHT1FJT2dzcEdfR3hHdkxEaXJZRUhfQ2cwd0k5ZlRpdFNWcVpwNUd5ek1NcEFNLUotTmNpR3Q2aE9aZDVEZW02TGtlSzZiMFRUUEd5RjZKTUhZVUN3QVB6cXFaTi1pcnhXakJ4OEFCUXVBWXE0aGlNbW9rdEpqR1BNdVEzN0w?oc=5) · The Des Moines Register
- 2024-11-19 [Special Tuesday Night Raccoon Valley Bank PM Sports Mag on KDLS - Raccoon Valley Radio](https://news.google.com/rss/articles/CBMirwFBVV95cUxQWC1LSTNQeUtlQm5BX0lMZVNCMXpPSmluZ1lPZi1qcDBzaENLUW5vcHhXS2I1Z0U0UU00UmFKSy1XQ0wyNjh6aEZVZnBQRFFMMjdTOHZyU2NoUllTVmRJY1Ayemk0VmZYbzMzMG43YktyY3lKTmpfS2hoRGl6SVhfbW5pMURLRXNQWmFwWE91UlBWaExBbzM3Qm0yUXkyYk5rY2VGVzhFclJwbENBVzFz?oc=5) · Raccoon Valley Radio
- 2025-03-07 [ADM Scholarship Foundation announces January, February 2025 Students of the Month - The Des Moines Register](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPTjJpSEF2WExmRXZ4Z245MWhrWWY0VW1rTFU0UTNnbzgtc3BQcGE5am9FUFQyOXBDcVRVTHRGV2tQdVlrN3ZuaUxfeHpyY3hZLUpwZTlKRlRkTWhyajRHNzNMYVNsR3BlREpKTzZMa3NPYktLYjl5alhlVm9DclFXbW0tTUhTS2tEQXFaUnNlNE92U0FXX2hnbUpQZi14cndwbURqTWtYRDFBVlpldkc1cFFIbWdQeHpESkxxUWc5S0RCTnpLSDBZdlJNai1vSmRIVUp0TkctNURzSXFDY0xrMm1RTnh1bjRNRXJZQnRQbHFlODdTYmxpUE9ieDdUUQ?oc=5) · The Des Moines Register
- 2025-08-01 [A Family Tradition: RVR Changes Ownership, But Keeping It With a Local Family - Raccoon Valley Radio](https://news.google.com/rss/articles/CBMivwFBVV95cUxOaGxMdEIyV2g4ZFdzMEdJWFhTdXQwQy1CNGxHN2lpdi1LVmptTFJ5aHlzS25GN0RrVFk2MUZYS3JLQWIzLXk1UzBERFRxelZZeHJScjd5TERrNjJDWWVhbWM4MkNCRXkxMmpUSFJ6azNwUWFmVHZsOHA1Yk4zcDBzSHRyRjF2dGVCVTFpTnY4UjhOYTVHMFlEM0xZNFRPVDAwXzBGSmFzaWdhRmZoVGU0Z0VMaXVXeDcxTmtVeHJFdw?oc=5) · Raccoon Valley Radio
- 2017-02-22 [Raccoon Valley Bank showcases new lower level with open house - theperrychief.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxNX0h4YklmQU5TMnJkbElPU2dRVkxIRjVSRmd6cFVvckdZMzJmdGlVZTE2NW5oNGduU1RPZUx6QkMtX0NDbGpCRUgxWjljRFVlWjB3aWhRbk1EcEhQclJPdjFCWHlra3JUYXRLbWVERHlZeUY2VmxpNlYyS0VWcDhLcXRlNDZETnZFRlBIWnRhY2xpUFN5QmRqMlZUNXUtOVE?oc=5) · theperrychief.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=245 (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/53.json (key "245", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide