# BANK OF THE VALLEY
BELLWOOD, NE · FDIC certificate 25291 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $581.9M | |
| Deposits | $490.8M | |
| Loans and leases | $456.8M | |
| Total equity | $53.0M | |
| Loans / deposits | 91.80% (p75 of band) | 82.04% |
| Liquid assets / assets | 18.00% (p25 of band) | |
| Uninsured deposits / deposits | 12.99% (p8 of band) | 25.97% |
| Brokered deposits | 5.48% | |
| Wholesale funding | 11.51% (p81 of band) | |
| FHLB advances / assets | 6.03% | |
| Tier 1 leverage | 9.87% (p31 of band) | 10.81% |
| Unrealized securities loss / equity | -4.54% (p65 of band) | -8.10% |
| AOCI / equity | 0.01% (p80 of band) | |
| ROA (annualized) | 0.87% (p25 of band) | 1.28% |
| Net interest margin | 3.91% (p50 of band) | 3.91% |
| Efficiency ratio | 69.81% (p73 of band) | |
| Noncurrent loans | 0.05% (p18 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | 2952.36% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 39.10% (p46 of band) | |
| Auto loans | $1.6M (0.35% of loans; DQ 0.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 84 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 | capital falling | reserve under noncurrent |
| 2012-03 | 0 |  | wholesale funding >15%, capital falling |
| 2012-06 | 1 | wholesale funding >15% |  |
| 2012-09 | 1 | uninsured deposits leaving | wholesale funding >15% |
| 2012-12 | 2 | brokered >10%, wholesale funding >15% | uninsured deposits leaving |
| 2013-03 | 1 |  | brokered >10% |
| 2013-06 | 3 | brokered >10%, capital falling |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | brokered >10% |
| 2014-03 | 2 | brokered >10% | capital falling |
| 2014-06 | 1 |  | brokered >10% |
| 2014-09 | 3 | loans exceed deposits, brokered >10% |  |
| 2014-12 | 4 | capital falling |  |
| 2015-03 | 4 | uninsured deposits leaving | capital falling |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 3 |  | uninsured deposits leaving |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | reserve under noncurrent |  |
| 2016-09 | 3 |  | loans exceed deposits |
| 2016-12 | 2 |  | reserve under noncurrent |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | loans exceed deposits |  |
| 2017-09 | 4 | capital falling |  |
| 2017-12 | 4 | uninsured deposits leaving | loans exceed deposits |
| 2018-03 | 6 | charge-offs p90, reserve under noncurrent |  |
| 2018-06 | 4 |  | capital falling, uninsured deposits leaving |
| 2018-09 | 3 |  | reserve under noncurrent |
| 2018-12 | 4 | capital falling |  |
| 2019-03 | 4 | reserve under noncurrent | charge-offs p90 |
| 2019-06 | 2 |  | capital falling, reserve under noncurrent |
| 2019-09 | 2 |  |  |
| 2019-12 | 4 | capital falling, reserve under noncurrent |  |
| 2020-03 | 2 |  | capital falling, reserve under noncurrent |
| 2020-06 | 1 |  | brokered >10% |
| 2020-09 | 2 | brokered >10% |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 0 |  | wholesale funding >15%, brokered >10% |
| 2021-06 | 3 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | liquid assets <10% |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | liquid assets <10% |
| 2023-03 | 2 |  |  |
| 2023-06 | 5 | losing money, charge-offs p90, uninsured deposits leaving |  |
| 2023-09 | 3 |  | wholesale funding >15%, losing money |
| 2023-12 | 4 | wholesale funding >15% |  |
| 2024-03 | 2 |  | charge-offs p90, wholesale funding >15% |
| 2024-06 | 2 | capital falling | uninsured deposits leaving |
| 2024-09 | 3 | wholesale funding >15%, reserve under noncurrent | capital falling |
| 2024-12 | 2 |  | reserve under noncurrent |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 0 |  | brokered >10%, wholesale funding >15% |
| 2026-06 | 0 |  |  |

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

- 2026-07-20 [Ex-CFO sentenced to 36-month prison term for $4.3M loan scheme - Banking Dive](https://news.google.com/rss/articles/CBMitwFBVV95cUxQbzBNUEpYTlhaTUJtTXUyRDJrblNpZmJvejRkd1FEWnVOazNjczB5TVZ5Q1ctbHJCWWdzUnhmc0VVSlI5LTJFN1BkQ0ZUSWswcmVuMllPZEJGRk9KSFl4TkFYSWVGeHU1VjFPeXBwRkFOeUd6eGNRVV9FbGxrTkhyWXFCWXcyUUU0a1V4RGhGSW5xczJVVUF5djFpc1BnTHczd05qTmpyUW9XU3ZKd3VIazZTSllubW8?oc=5) · Banking Dive
- 2026-03-19 [Ex-CFO of Nebraska lender convicted of bank fraud - CFO.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPbUpfOU5RVGF6VXZkU0pmVlNUZXRfbDlEVXRjMHJheEZ2N3pCRldZRVJyMFpUV1REdE9XVmZNWkYzZlhfSDN1OW5sbnNFMWctWHgzUHZXX3ZPRkRjM0V1YnlPM1B4UVFSRTZJcWhDYTdmMHhJSVc5eWt0djVlOHM5NnpQamVsVG5UUElXdkpYcWJKZW1TUkpXZW9jdFhaeVJkOS1jeWhn?oc=5) · CFO.com
- 2026-07-17 [Former Bank of the Valley CFO sentenced to prison in $4.3 million fraud scheme - Platte Valley News Channel Nebraska](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNeW9MNmlhaWxvQW15VDBDbWJzcVNKdjJLQmVSQncwY3hzNjZZb0NTVEVUWWwwUlY1QTkxYWtGM1VxYUtNSjNaVzJiT19FUnNMMVBvelMycmJQLUh0VkI1dnZUbXJYTm5lWXdPb3Rra0cxaS1YWDh6bUI1Yk84ZDB5bzJRaWtIZ3c5eGw2MUxDNFJJbFBIS1NONnJoeGl1YVRCMVNCUUdTWFRNaERReXRLbTRuRDdUSG5wRVoxUlprck1mTHJIUUkxWkJHWmpWemcxM2dj?oc=5) · Platte Valley News Channel Nebraska
- 2026-03-13 [Ex-Nebraska bank CFO convicted of fraud for false invoices worth millions - WOWT](https://news.google.com/rss/articles/CBMioAFBVV95cUxPSEpBX1lqSzZQVHkzTDRfSEdfMTEyRFFxZnY1ZHRDelhkelhxclo1NVNuSGs5M0M5U2FyQkI3ZGhxNm1uTUE2YWpnNm1ONzlWNDRNREZhcmplZTBHVUpJQkFlX3dDczlHTktQeFJQNWYzaG93N3R1RUJkYlNQWFotR2EzQk13aDMxT3paenRlSllXczRwdjVJd0xVYlRoa3Zl0gG0AUFVX3lxTE5wTW9GZjBCRTNtOGMzbzdMYnFGSTF4cXhFa08waFh2bVZWNkc5RnVydks2OEs5V0QyU2lxMFNTV3JnRUVsc2g2cXNvTTNiajVidmVsX0FQTFFuamIwc3hfQVdkSGQxdXVBdksyMDNHUlpTZDRxSnRyZDJJRU5DR1RCOVVnby1iYWwzNWhUWFNqeExka0xsM2lDb2xNX0hjSEp5b1ZmSERxb3BHbEFkMm9Hcm9ZNA?oc=5) · WOWT
- 2026-07-12 [Saturday's Area Legion Baseball Scores, Sunday's District Schedule - norfolkneradio.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxQNk5zcEw1YmJSZ20yb3BFY3F6bXllRVpuQ1pzY0V2cGtRTzhMbktveENURGxpVzdLbXRmQjFkNEVIS1JmZEMtaUJXM19hTUl4ZUZaZmM1SGExOHFtamtERmFIZTcxN0lWbE1oQ3Mxa2liQWJ0dFlkVnQzWV9idHZqSi0zNnJYTEZSeUdwNXZweDdONTZvWUdPeGZoMV9JU18zREhRM040Y0JDS3VQUll0RFpWYk9wZTBPTC1BUThnOGliV2FaRFI5SE14bVY5cUZ2Rm1UaWdiYWVXZGlwSUFCMWZ6cjd4dw?oc=5) · norfolkneradio.com
- 2026-03-12 [Former Bank CFO Convicted at Trial of Bank Fraud Scheme Involving a Columbus Car Wash and Undisclosed Debts in $4.3 Million Loan Fraud - Sandhills Express](https://news.google.com/rss/articles/CBMihAJBVV95cUxOUmFDOVJPSDFsNjFLUVh2cVpVNTF3aG01ZnpQOXdQT08zY3NoMzJvdzFnRFBTeWhYSll1Z3FKZzZxeHNRSk5Gd3NzR3hSekVmMzZDb0NOOWRTSGVtNlU3Q3l5WTZENVI1b0RTc1JMVmd4V0lMMEZfbDBiWjlRU1NiaS1jdXg1TjZOenlMdnR5THFFeTBVdmdCNTRrWm5tejNGRUU2Sk5DMmRsTjhHUVE1V19weFNnSm5yT2YteTItSm1hS1BFWFRhTVE4RFNmdW45MjVkWjIycnBnYkpSTnpoUnJwQU5OZG9xWTNJUXJNbGdSZktZYVBQQkdza1hKNnVTaGpiWg?oc=5) · Sandhills Express
- 2026-07-13 [Sunday's Area Legion Baseball Scores, Monday's District Schedule - norfolkneradio.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNZDhxR0tCdl94S2xRWFVEZDFuOXpJWWdtb0IxNldoYTk0ZGREeW12Y0dFdWVReS0tcmw1bFYta0V2eGhuc2VJeUdaTE9IV1E3LVQxcWtLZUZWdzhkRFNHaWdxOFFNSmp1OWlpcGt1N0NwX2RYLUd3VEI2TkZNSXNQY0Z5NEJZTzFaTGFwVGVrZ0N4ejRsSUFnaFBMaE1NUjZ3VEJIcFNQWjNEVUNSU0tham9HcWlvcndqSWh5N2RQRU15dFRndEdaa1RVM0M5cjNKbWplQWlpMm9VX3M5VXpONEgzSQ?oc=5) · norfolkneradio.com
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25291 (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/11.json (key "25291", 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