# VALRICO STATE BANK
VALRICO, FL · FDIC certificate 27536 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $192.8M | |
| Deposits | $149.4M | |
| Loans and leases | $101.4M | |
| Total equity | $42.0M | |
| Loans / deposits | 66.17% (p46 of band) | 67.95% |
| Liquid assets / assets | 28.78% (p34 of band) | |
| Uninsured deposits / deposits | 6.05% (p36 of band) | 8.38% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.13% (p82 of band) | 9.95% |
| Unrealized securities loss / equity | 1.87% (p41 of band) | 2.77% |
| AOCI / equity | 0.18% (p78 of band) | |
| ROA (annualized) | 0.85% (p54 of band) | 0.78% |
| Net interest margin | 4.07% (p68 of band) | 3.77% |
| Efficiency ratio | 64.44% (p30 of band) | |
| Noncurrent loans | 4.62% (p85 of band) | 1.40% |
| Net charge-offs (annualized) | 0.08% (p62 of band) | |
| Reserve coverage of noncurrent | 53.95% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 19.01% (p54 of band) | |
| Auto loans | $1.2M (1.21% of loans; DQ 2.69%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 53 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | charge-offs p90 | expense ratio p90 |
| 2011-09 | 3 |  | noncurrent p90 |
| 2011-12 | 3 |  |  |
| 2012-03 | 1 |  | losing money, charge-offs p90 |

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

- 2023-07-04 [Joan Margaret (Kessler) Rangus Obituary Jul 4, 2023 - Lord & Stephens Funeral Homes](https://news.google.com/rss/articles/CBMiZEFVX3lxTE04MGN3bUpSOTFsbEVVZzBkVEh4aFVhbXNydlV1d2JmWWNxZ2F4eHlFZW5jYWFLZkRrMnRsSjJCRVpjU2tCSXFaVnFSdjdwdzJ1T1JuSGNIaUE0N3UxbDVXaXFwQlA?oc=5) · Lord &amp; Stephens Funeral Homes
- 2023-01-05 [Wesley Joyner Appointed Senior Vice President at The Bank of Tampa’s Plant City Branch - Plant City Observer](https://news.google.com/rss/articles/CBMivAFBVV95cUxQczJOckJvb2dBMnJnRHJLSHo1XzVuQjRMRXgxWWxCbmhmMHJMQzVPQUltOU02UXluWENaOUlGYUFHZXk1eVJ0OVNTbG90bnI4eVZDTnNhVnBzMUhpYWdCVEFqdmdzYVBtUDdsVnJocW1DRk1ETzFfLU9oODYyUU1aN1l1OHI0OXctczA4MElsU25rc0s3QXpkamV0ZHRDZDh3SXhXYnJGLW1qemhHbjNHU2tkOUFIQWJ4WFVJeQ?oc=5) · Plant City Observer
- 2012-05-08 [Rotarians Spruce Up All Persons Playground - Patch](https://news.google.com/rss/articles/CBMingFBVV95cUxQWWF3YzZSM1RWcGt5SS1QVUNpd2dNZjhNVWJBQXRGenFwMVliOVZBb1h1dWdoT1FIQ3hsMmZqajMtM2hmRXc0c1E1OTRFWXRmZHJKcmwzVC1ocXl5RjJZWW5YeFFhVmRoRDg3eWo2YjZqRi1hMEdTYWNjZ1haQ3lYOXBQNWpCeTAxSDVzWFY2NnFYQWw4WjRDVGw3RloyUQ?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27536 (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/16.json (key "27536", 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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