# GRAND VALLEY BANK
HEBER CITY, UT · FDIC certificate 24922 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $599.4M | |
| Deposits | $541.3M | |
| Loans and leases | $287.0M | |
| Total equity | $55.2M | |
| Loans / deposits | 52.02% (p7 of band) | 82.04% |
| Liquid assets / assets | 48.96% (p91 of band) | |
| Uninsured deposits / deposits | 21.72% (p35 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.47% (p62 of band) | 10.81% |
| Unrealized securities loss / equity | -37.24% (p9 of band) | -8.10% |
| AOCI / equity | 0.47% (p91 of band) | |
| ROA (annualized) | 1.19% (p45 of band) | 1.28% |
| Net interest margin | 3.76% (p41 of band) | 3.91% |
| Efficiency ratio | 59.67% (p45 of band) | |
| Noncurrent loans | 0.02% (p12 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 11684.78% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 79.37% (p77 of band) | |
| Auto loans | $426,000 (0.15% of loans; DQ 1.88%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 98 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | noncurrent p90 |
| 2011-12 | 2 | noncurrent p90 |  |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 1 |  | noncurrent p90, capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 0 |  | charge-offs p90 |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 4 | noncurrent p90, construction >100% equity |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  | noncurrent p90 |
| 2023-09 | 4 | AOCI drag >20% of equity, deposits shrinking |  |
| 2023-12 | 3 |  | AOCI drag >20% of equity |
| 2024-03 | 2 |  | deposits shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | construction >100% equity |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2022-04-07 [Deer Valley announces summer concert schedule - ABC4 Utah](https://news.google.com/rss/articles/CBMifEFVX3lxTE1GdUZBb0FRZ2JlXzlhVnphbGl6dEwtemNPSDlud2pSMG9Fb0VQdU1HcGJTTVY0dnBHUVpiYlE0Zy1scXZCem9Ncy1Ea0VTME5Dd01YSFlvRGVMcGVLdzZNVGt1enR1SVRJanNaNkZNcm9mZ2Z3M0NQY1pWSTLSAYIBQVVfeXFMUEFLNnVxQnNHMFZzMVcta19PM2lTb0JKVHVmZExwcloxQmk3R1Y1aWFxT3V5ME03eGdlaXhBX3JxRHQycnhvX1poS2hzbmlZUldKbkhTV1EwelZodTQtY3RhT1FpR1NVanFOaWt3X29GWGU2ckp0dnFMNUtwbEhiQnBNUQ?oc=5) · ABC4 Utah
- 2023-03-14 [Mountain Town Music summer concerts move from Deer Valley - Park Record](https://news.google.com/rss/articles/CBMinAFBVV95cUxOd29XZnZ3X1R1QXpGaGcxMmhLY0s1RGFHRkpjYUJsT0d5QXBLa2FmNkZVb1p3a2dPS2RoRDQ5aENiSE55aW8zSVZNaWgwSHVrREhQUE9yM2pGci1XcUJ2N3R5WHVueG1JcHBRQmI3bUF5UDJ4U2FNZExRa3lib2pOMkZ4ZmVpLWFETGZYQW1oUnQ3dnp6VkZ5SnFCRkw?oc=5) · Park Record
- 2017-08-09 [Police seek man in connection to armed bank robbery in Midway - KSL.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxPWjhDeUdheUJCY1BZbnhGXzhMcDl1UUZIUElkQkQtSWxXSEJqVEtTMDJyNkp3dW1ERUZaekdiY01BU01jbWhiTzhEU0c0blR5N1dkREhScjNzQVUydmhSdFBvUzJsa1psRUw3M25pWnBXT1k2T19MY29kcWpLNzJRb1RzeEdaRWJsajJuM3NUWDRqRG5FYXJ1bEJwdG9wRDBUdmJPd2hsWWthNkJF?oc=5) · KSL.com
- 2022-04-07 [Deer Valley releases summer concert schedule - TownLift, Park City News](https://news.google.com/rss/articles/CBMif0FVX3lxTFAzTUdDUWR3RjlfeEY3ZGpuekZESUNRYnVLenl1OHBDQThaMHExY0NNcDZfVmhpNndkWmRRZmdCbFotVnJkTnN6Z1VqMGJieEtqNGV0V1I0M0VxNkF0dTl5elNmZ056eDVoTTJkWTQ5YmI4bWNQN2dOMmt4dE4yNjQ?oc=5) · TownLift, Park City News
- 2022-04-07 [Deer Valley announces 2022 concert schedule - kpcw.org](https://news.google.com/rss/articles/CBMijgFBVV95cUxOR0NlU1FSRlRjclMyTWlLNV9nam9IalFka00xQUxsOXU0Z2lEWExaTTY1QmV6MXdIcS1mYl9PUkd0MDN2N0RSclpRUHNrNE1jVWVjdlViaDdzOXM4Z3FaTWpaTHBETHpRSkZ0YTJ5TDVQYlE1b2d3YzZWeWFyYm9nZWFDR3gzcG5wNGpIZmpn?oc=5) · kpcw.org
- 2017-08-24 [WATCH: Officials release video of armed Utah bank robbery, seeking the public’s help - St. George News](https://news.google.com/rss/articles/CBMiggJBVV95cUxNVGg4TFpBM3VHYi1kRXNJSmZMTkhBNXNHQmROazNiY0FxRXRrZEhrUk45cjExSDdlUVJJNDlwb0FpdVZoU1FnVnRtZ3RvTEdLaTN5RW1ZTC0xU3hTc0Z2WFFrTU9oOS0xTThaaVdxOU9xbGhydkxXWUF1OVR6VEl0OFZEcHhfZkpIc1E3M280VGpVZlZIUUdBdGFybEJGa1NRYXNyUXlBcVFsMkljVV9ObW5rT0h6cTl0blByU0JZWUN4ekNVend1Zk01YkZ0cXlLb1ZGWTFQaHRjU29uaFZvQlFuN2lnVUxGc3VFUzE1RDFLRjZHai1ndHVfdldhTHM0Z3c?oc=5) · St. George News
- 2022-06-20 [Sensational Summer Activities at The St. Regis Deer Valley, Utah - Luxury Travel Magazine](https://news.google.com/rss/articles/CBMitgFBVV95cUxQZ252cjg4eVJXRkJSS2xLV0twYU5hYVcxbUZJMDdLblpIRUZQQ0phSFFzSmhEa1N3Vi03QmYtRGNKNkZJLWFqVzZQZk5hc2FUQmN1X0Y3M05LVENJbzdfMWdJQ25OTkJNR094LUFndUNXbk1STnBXeWxXSHBGWDlNcWJSWHczV2RtOWd5OFl4dWlvTGRLa1M2NmE0WDlxRDg2V25sQUFLRUZTa0JaMm9iam5GZzBVUQ?oc=5) · Luxury Travel Magazine
- 2022-07-21 [SNAPPED: Summer Concert Series at Deer Valley hosts Aiko - TownLift, Park City News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQMjdlcEhSVnNxSzlGWFlzRmhKZXNKbV9LTUNwYzJUc2JqTVpPM3hIYTFDOEg3UU83UjJ2azR1RUprVGFSZk9lZXpkNXJ2cWx4X0xINW9RVEtnZWtWcWJGOFM3b0htdHpPU05fS1plUVZUTHJHOU82b3YxakpSQWNycWh6SThiZ0FiOFYtV1F3?oc=5) · TownLift, Park City News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24922 (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/26.json (key "24922", 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