# VALLEY SAVINGS BANK
CUYAHOGA FALLS, OH · FDIC certificate 30693 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $129.7M | |
| Deposits | $101.6M | |
| Loans and leases | $118.5M | |
| Total equity | $12.5M | |
| Loans / deposits | 115.59% (p99 of band) | 70.22% |
| Liquid assets / assets | 2.56% (p0 of band) | |
| Uninsured deposits / deposits | 6.31% (p19 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.11% (p86 of band) | |
| FHLB advances / assets | 11.11% | |
| Tier 1 leverage | 9.66% (p36 of band) | 10.41% |
| Unrealized securities loss / equity | 0.00% (p39 of band) | 0.24% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 0.52% (p31 of band) | 0.79% |
| Net interest margin | 4.40% (p86 of band) | 3.62% |
| Efficiency ratio | 82.98% (p71 of band) | |
| Noncurrent loans | 0.34% (p30 of band) | 0.88% |
| Net charge-offs (annualized) | 0.04% (p58 of band) | |
| Reserve coverage of noncurrent | 267.92% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 14.57% (p48 of band) | |
| Auto loans | $7.3M (6.14% of loans; DQ 1.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |

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

- 2017-06-07 [All but one Cleveland-area bank now ranks high for financial strength - Cleveland.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOdG9KRjRRSENqUEx3ZUZCMHNZdTlEVFduUGg5Q0wzUXptRllQbzROOVBBQ0NELVV0N1dYQ2ZHeDZYVjQzVlhzdmx6UXNRSExoRUlrWm9Ia0tCRVZ5bHpFbGRMN285d1pQRWFCdzRGdEE5ZXBTSWc0TUNXVW5vSk1YVG1venM?oc=5) · Cleveland.com
- 2017-04-23 [Fox Valley Savings Bank board of directors chairman named - fdlreporter.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNOGxIclg4WkJia1Q4YWhNOVdpVFJ0MG9xNWo4ZTRod0ZTaDZ6OEU1VXRGUEY1cVQ0cF95Sm5fcV93aWVwTmNkY0JjbGFsVGhGTnptVHRDQzZpWmp0aXRZN2F5OXcyRVYydk9BVWNaNFNBWlFTdWNPbTZyVkUwZ3ZEMXFkSGNhZVlrYXoxRXpaZHpSZEdTZmFGVG5Jc0FSZF9LWnAwcVh1S01rT1BtalpoTXpRczhtVXY0b3lYQXc1WkxUMHpfYmVBNVIwRTJLaUE2N0VsVnNB?oc=5) · fdlreporter.com
- 2020-01-17 [Portage Community Bank opens doors in Cuyahoga Falls - Record-Courier](https://news.google.com/rss/articles/CBMipgFBVV95cUxPbjJ1SG9iQWdKLWdnMWtiWU10TUcxRGdfa2pOcFVtelhnaEJRSmZQNGItN2Y5QjVjdTFjRjFZM3VJVHdiZUozZDlYTFd2d3dWZ2R3U1AySHJDUmxjb1lITXk0NmNXQjBEcVMybmpiVDhoTGJnQVQyYlNCRWs5a0c2cFIwU3pjeEJzakJubWpqQjVLcmZxTHRmSm9KVUl4b2dCS3YtOU9n?oc=5) · Record-Courier
- 2013-02-10 [Valley Savings celebrates 90 years by unveiling community timeline - Akron Beacon Journal](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPV01nQ1NhRmNIWUd5UGttMGtobm80QllDZ1lxWFNmcTl2ZTY0X0wxQjRZRGJqdWVMWG53d3VLbVF3SkVUV2wwVW5kZ00tRWxfX2pfZ0J2b3B3ZEthTDFLM0hKdUVhc1RhWFN5azlZODlnOUZ1NWREdy1MZjhYSXgwSEdwT09VUnR4aWdldEk3TG1CZzIzLVJUVHBiVkpPMndOeUcwMzVJc3M?oc=5) · Akron Beacon Journal
- 2016-01-30 [Neal Frary Obituary Jan 30, 2016 - Olson - Yoder Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5yS3NXblk4clpJUWItVEZEWWRpc2tjTTBfeW82WkZ2OHAxTlZGNDNXYzZuN0M3Mkw4YUpCRU04ODYzWTQ4Mmk5VHV1YlIwNzY0ZTYxb0xqMHRlMzlXWkgw?oc=5) · Olson - Yoder Funeral Home
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2009-07-02 [Regulators close Rock River Bank - Rockford Register Star](https://news.google.com/rss/articles/CBMilAFBVV95cUxNcUlWMmhxRVA1cG9WUVUwbm9Xd3VzX0pQRktSck8wSHNNSFZWeGI0NkszM29KX3Z0dTBwWHE3RXg3Y3g2NktyQjZNakdpUExrWW1FV1Z6NFBlR3NpTTM0RkJRdHZkOFAwS3JfbWV4V2lNMWU3eVFaSV9NMmpUWXhGcUZla2VDdG1CS2pPbVFDTmY0WVlY?oc=5) · Rockford Register Star
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30693 (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/37.json (key "30693", 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