# PARKVALE SAVINGS BANK
MONROEVILLE, PA · FDIC certificate 30237 · asset band $1-10B · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $1.81B | |
| Deposits | $1.51B | |
| Loans and leases | $947.7M | |
| Total equity | $141.5M | |
| Loans / deposits | 62.13% (p19 of band) | 78.14% |
| Liquid assets / assets | 41.22% (p79 of band) | |
| Uninsured deposits / deposits | 4.67% (p11 of band) | 18.31% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.49% (p48 of band) | |
| FHLB advances / assets | 7.78% | |
| Tier 1 leverage | 6.70% (p6 of band) | 9.37% |
| Unrealized securities loss / equity | -5.82% (p5 of band) | 3.83% |
| AOCI / equity | 0.16% (p32 of band) | |
| ROA (annualized) | 0.38% (p24 of band) | 0.77% |
| Net interest margin | 2.20% (p6 of band) | 3.68% |
| Efficiency ratio | 69.35% (p64 of band) | |
| Noncurrent loans | 2.95% (p62 of band) | 2.15% |
| Net charge-offs (annualized) | 0.31% (p41 of band) | |
| Reserve coverage of noncurrent | 36.88% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 5.96% (p12 of band) | |
| Auto loans | $22.8M (2.41% of loans; DQ 1.74%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p39 of band) | |
| Deposits YoY | – | |
| Employees | 384 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 3 |  | capital falling |

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

- 2011-11-08 [Mt. Washington Bank Robbery Suspect Sought - CBS News](https://news.google.com/rss/articles/CBMiigFBVV95cUxPRlVaaG5vN1FQb3U2cExmWklpcjNlWnV3M0hVVjJfZHN0aDhlaWJvVXYtOFNjTzF4X01WRi15ekZBTVpNWXNaT2wwUnBjNXBFTGJFVGQ1OVk5ZmlqUUNlZ0lNSlJYRTNSX2NVSUk4TUw0SHQzTk15MDNqYnZvYUd0X1oybzE3bUxLZlE?oc=5) · CBS News
- 2021-10-08 [Sheriff Sale: Beaver County - Beaver County Times](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOdk04TDB6TTg3TFZ4bnRLaUZoR2JBNUpSNllBWHNLWTNqNmFaM1hNS1NvVGdlb0NPN2hLcGF3VnA3MkNQWDc0Y2EwN29nM0RTcVRUcGVtNE15Q01YZGdEc1JRX0VLdU1NUzViTTRIQnBEZFNqUF9ueE5OaWc5YTM5Y0Jma3NtNkhlQWRqVmRlb2U4VjNLdElKbXNpN3YwN1BkR0Vkd0E2ZWl4Yms?oc=5) · Beaver County Times
- 2026-01-24 [Bank robbers who birthed psychological effect - Delaware Gazette](https://news.google.com/rss/articles/CBMijAFBVV95cUxORk5NZFFMeHo5ZHl0NVhwNC1udUlxMlBIeUI5Y21MN2VUekNUMUNwWFphOVV5cEl3UHBIN0Qxc0Jjb19nVGloM0FSeS1STUhCcjR5dldtQlRDS1VvMHNQV1d4Q1hwa3JGTWhsWnJXSjdZMGR2R3hhbEtEZ0lTaE41M1YtSWVVVFk5Umg5Tw?oc=5) · Delaware Gazette
- 2022-01-26 [Ella Mae Klotz Obituary (2022) - Allison Park, PA - Bock Funeral Home Ltd. - Legacy obituary](https://news.google.com/rss/articles/CBMifkFVX3lxTE41Y1FJWURYQVNCaXllSGtwbE1YNmxUZUdkX0FzdThDMHJBbS1qci1qeHZvN0lEbnoyTF9KLUpoejZwU1I4LUp1RWhsZ2dLcjY0YkRxdy1UTmRhaFlCdG9qUWpUTE9XTWFITUR3QUNULUJfSEpvb2ZoazVIWGVIZw?oc=5) · Legacy obituary
- 2008-01-04 [Unwanted traffic in Beaver Falls - Beaver County Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxPRy1GMVFGWU1MOHRfNEhQSWVMMnozS3FvQXAwUFp5LU5fNENCMDdqRmMtdGNxYW55Yi1EUDFEMjcxb1BXQmZlX3dzUHZub19kanJKUGhuc213czFKRXVac2gxWnViVm5kTGp1bEJkWndHNzNfb21NeTFRVTRVWDZJWFJxV0doRG1CWWExWEdfcWNZZzhFUmM1dWI1NA?oc=5) · Beaver County Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30237 (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/29.json (key "30237", 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