# SILICON VALLEY BANK
SANTA CLARA, CA · FDIC certificate 24735 · asset band >$100B · latest filing 2022-12 · FAILED

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (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 | $209.03B | |
| Deposits | $175.38B | |
| Loans and leases | $74.25B | |
| Total equity | $15.46B | |
| Loans / deposits | 41.97% (p21 of band) | 70.68% |
| Liquid assets / assets | 62.44% (p88 of band) | |
| Uninsured deposits / deposits | 86.44% (p97 of band) | 44.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.45% (p32 of band) | |
| FHLB advances / assets | 7.18% | |
| Tier 1 leverage | 7.96% (p21 of band) | 8.75% |
| Unrealized securities loss / equity | -114.38% (p9 of band) | -29.44% |
| AOCI / equity | -12.27% (p59 of band) | |
| ROA (annualized) | 0.96% (p38 of band) | 1.08% |
| Net interest margin | 2.23% (p35 of band) | 2.68% |
| Efficiency ratio | 46.42% (p26 of band) | |
| Noncurrent loans | 0.19% (p21 of band) | 0.65% |
| Net charge-offs (annualized) | 0.03% (p32 of band) | |
| Reserve coverage of noncurrent | 457.55% | |
| Real estate % of loans | 17% | |
| Construction % of loans | 2.74% (p29 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $528.0M (3% of equity) (p21 of band) | |
| Deposits YoY | -8.4% | |
| Employees | 7095 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | leverage <7% |
| 2012-09 | 1 | leverage <7% |  |
| 2012-12 | 0 |  | leverage <7% |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | uninsured deposits >50% |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 3 | leverage <7% |  |
| 2014-06 | 1 |  | capital falling, leverage <7% |
| 2014-09 | 1 |  |  |
| 2014-12 | 3 | leverage <7%, capital falling |  |
| 2015-03 | 1 |  | leverage <7%, capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | leverage <7% |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 | NIM <2.5% | capital falling, leverage <7% |
| 2021-06 | 3 | leverage <7% |  |
| 2021-09 | 2 |  | leverage <7% |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | capital falling, securities losses >30% of equity |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | deposits shrinking |  |

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

- 2026-03-10 [Ranking Member Maxine Waters Marks Three Years Since Silicon Valley Bank Collapse, Reintroduces Legislation and Urges Action to Strengthen Banking System - U.S. House Committee on Financial Services Democrats (.gov)](https://news.google.com/rss/articles/CBMikgFBVV95cUxQXzNGYjlqMzV2alJyTUhVU2FGdnBMbWZTMmE3NldGclVBOVFiQ09JRzFzanY0a1kxWUxTUXJ6a29sTjFkQlNIcDNhSEd2MTl6c2dJWjcxbmZ0RUpuTWhsSlVvd25GTUM0X3NRV2hjQ2xpOHp2d0VMSjRiVXlDcTRGNS03UHRZUkczY0gtdkczR0tBdw?oc=5) · U.S. House Committee on Financial Services Democrats (.gov)
- 2026-08-29 [FDIC Beats SVB Financial Trust in Feud Over $1.7 Billion Claim - Bloomberg Law News](https://news.google.com/rss/articles/CBMipgFBVV95cUxQSUQyaDd1X0FGLXlIWDcwV2ZtMzZlTV9DZXFIdC1zVFo2dXF3TzhaeEdDNnEzbFQ0dE1CV0NRTEhpbnhIYmtmTHpxaDJhdnJLYkNkT0o3ODBVaHN6Y3h3XzBjREtYU0V1MjBMX3BWd3VTTUVYLXQ4NXJlWWN6cmRTQVhSNG1SU1p5NDEwUW1fbTRHQUJQTkhsQ2xqVzRuaWhKb05yU0dB?oc=5) · Bloomberg Law News
- 2026-08-31 [FDIC defeats $1.71 billion claim over Silicon Valley Bank collapse, US judge rules - Yahoo! Finance Canada](https://news.google.com/rss/articles/CBMif0FVX3lxTE4tVTBSajY3V2VnNnpXZ29yUDNBX1pEbUFuZF9Rd0xaV0l0TE81ZFNJU0ZZNXR1STJxQmpXay1ra3J5V2VjUTJJeFFOWDV2NVFfTl9fU0djV0k3NW5vMkxoRnVzQ0hWbTlaM1dWMXFhekZuenNDM1UxRUx2dUtYTVk?oc=5) · Yahoo! Finance Canada
- 2026-04-23 [First Citizens ending Silicon Valley Bank name after three years - SiliconValley.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQVmh1Wi1FUklkYjF4M1VGczlOeE5PRWhrZW9MdFhmZDIyNE02ZmhXRVpkMGdvLUhySzVUa0VzVFBIZ1hKRUZaXy05RlZDYm9VcDZSUXRqZHVMTUJOcGlfMzdibXhpT1VUYUxfOThmX2VFLUpuSER5bDFfcTJnUmFqd1lyQkdIMG9kRHlES3Q1aDcwYnl5WXJvWUpGM3NrVFlzZDgtMHYxVDJBQdIBrwFBVV95cUxNenl6RmY3UHFiS3hITmZScVRVbERrUF83R2owZ0UxVjZicG1DbjUyQ3FDS0Q5S2dhZnl2MDVQcnUwWmxpX1RacWFtTHFwUVltYnp2dUpmMkRkaENqbkF4QUZVcTc1Qnp3VHBRV1lENEt1ejN6N0ZOdHllenM4Y1dUM3BZVU8xUHRwazNBWlF1ZHcxU0hodjlpM2xMNEc4eDRCc3p6SXpsSW8zeUVjMVNn?oc=5) · SiliconValley.com
- 2026-07-14 [Silicon Valley Bank Ignored BlackRock's Advice, Judge Hears - Law360](https://news.google.com/rss/articles/CBMinwFBVV95cUxPMXFsMlpBREtYQm14bVRtZEFzSkRZYWYwU3JaUEN1bG9NOXJ6WDBnNG80UWtrYlFadnBpdGx4bkF6QzZESUtmRVEyWUlGeXFMSjhIUE1FNFRaMGlUVVpUTlMxMnhhVDl3YTRLWGl6azlsQWlnNUVJT1lfTHFCRlBfdWVyR3BNRUU5SlA5cVZva1h6S0tRcGlUSjdPNjBrTkHSAVZBVV95cUxPelRkWTlyaU1va1JqbEhlZzFJdTlsZXdkQnBEWmh0ZGJBT1RNamprcUV3Mmt6WHFNYWw1bnBvRnota2F1dnlZM1ZISUhXZW53SjItSFhrdw?oc=5) · Law360
- 2026-02-05 [FDIC seeks lower standard of proof in Silicon Valley Bank negligence case - Courthouse News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPZEZJdDdUQ1NUaE9odFVpVTRwMDZKc0duTnMzbzRGSWRsRnNWWXdWd1NlU0g2NVRBRWxNZFJoSkp3dUd4UlZyajFQblFOOGJFSTQzUF9yX2pZTzN6REg5a0lhYnZPT005ZmZzaEJPVXZGWkYtektlR0FLc2FyRzBCTnNraWNhdmVQclp4Rnp2RVY4RWRTOFhMcm5XRmxUaTZQMlJySFFuV1U?oc=5) · Courthouse News
- 2026-03-13 [Inside JPMorgan Chase's push to become the startup world’s new Silicon Valley Bank - CNBC](https://news.google.com/rss/articles/CBMihAFBVV95cUxNd180ZnFlb2pTazVyai1HWVRhWjR4OTdfb2N4Ml9mYjd3Q2laSU9sMHlKaW1HazBxLUw5TFNZR1d5OEQ3UlR6OHdJblhvVHlnZ2Z3M0FmX0JMV01ST2tvRzYzQm5QZUdWNU5IckVBVVNNajNWQWxaMXJTemJIeWNZUXdrZTLSAYoBQVVfeXFMTVZQc0diR2UxVjVPRjUwTWxwRjNZUjdEc0xZTE43SDVfcksxNlRiNExlR01tZktBV1NlUlBGUzRBV0hBc01MOWlMR2RPNktsRlpBYWI4V1I5dnlmU2VYdk9DbUI2QlVWZmE3NHd4aEJ0aWJBVTZYSE5GUXNhaGRVbE82U19SM2o1UldR?oc=5) · CNBC
- 2026-04-23 [First Citizens Ending Silicon Valley Bank Name After Three Years - Bloomberg.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxNSDZsVldJcDhaUDRVRkx1YXNYNFEzd1ZySHlUYXpuWHhPTnpkSTdiWFBRcUFDb0w5MDhjYmdFZ1lrZ29qYVVQbEdVdVBpc1g1SVpFQ2FWS3J2Zmd0MFBxaDQzczY5djlOUkhUb2pyQXNhTmp6Yld5UVB4STJnbS1ZQVk5QTdqbEVkNlBpQVhYWUdPLU9FNEI3MUdOVUdrVUZtOFBSck56eV9CZU1wYnZYMlRhcUxNZw?oc=5) · Bloomberg.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24735 (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/31.json (key "24735", 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