# VALLEY BANK&TRUST
CHEROKEE, IA · FDIC certificate 25866 · asset band <$300M · latest filing 2011-09 · stopped filing (departed)

**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 | $29.0M | |
| Deposits | $26.3M | |
| Loans and leases | $23.7M | |
| Total equity | $2.7M | |
| Loans / deposits | 88.35% (p84 of band) | 71.39% |
| Liquid assets / assets | 17.47% (p12 of band) | |
| Uninsured deposits / deposits | 1.36% (p8 of band) | 8.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.97% (p31 of band) | 9.99% |
| Unrealized securities loss / equity | 0.30% (p17 of band) | 3.72% |
| AOCI / equity | 0.00% (p16 of band) | |
| ROA (annualized) | 0.58% (p42 of band) | 0.72% |
| Net interest margin | 4.05% (p61 of band) | 3.86% |
| Efficiency ratio | 74.16% (p53 of band) | |
| Noncurrent loans | 1.27% (p46 of band) | 1.48% |
| Net charge-offs (annualized) | 0.27% (p66 of band) | |
| Reserve coverage of noncurrent | 147.84% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $1.8M (7.76% of loans; DQ 3.98%, NCO 0.10%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 12 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25866 (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/10.json (key "25866", 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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