# VALLEY BANK
ROANOKE, VA · FDIC certificate 34019 · asset band $300M-1B · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $843.6M | |
| Deposits | $647.2M | |
| Loans and leases | $627.7M | |
| Total equity | $81.7M | |
| Loans / deposits | 96.42% (p81 of band) | 82.05% |
| Liquid assets / assets | 19.59% (p33 of band) | |
| Uninsured deposits / deposits | 27.38% (p75 of band) | 19.19% |
| Brokered deposits | 5.72% | |
| Wholesale funding | 19.20% (p90 of band) | |
| FHLB advances / assets | 9.84% | |
| Tier 1 leverage | 9.72% (p41 of band) | 10.09% |
| Unrealized securities loss / equity | -1.50% (p11 of band) | 0.40% |
| AOCI / equity | -0.41% (p43 of band) | |
| ROA (annualized) | -0.83% (p1 of band) | 0.91% |
| Net interest margin | 3.56% (p50 of band) | 3.56% |
| Efficiency ratio | 143.69% (p100 of band) | |
| Noncurrent loans | 0.20% (p17 of band) | 0.80% |
| Net charge-offs (annualized) | 0.67% (p98 of band) | |
| Reserve coverage of noncurrent | 301.55% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 57.32% (p71 of band) | |
| Auto loans | $1.4M (0.22% of loans; DQ 0.44%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -8.6% | |
| Employees | 130 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | brokered >10% |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | brokered >10% |  |
| 2012-09 | 2 | reserve under noncurrent | brokered >10% |
| 2012-12 | 0 |  | wholesale funding >15%, reserve under noncurrent |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 3 | wholesale funding >15%, capital falling, charge-offs p90 |  |
| 2014-06 | 4 | brokered >10% |  |
| 2014-09 | 1 |  | capital falling, charge-offs p90, brokered >10% |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 5 | losing money, expense ratio p90, charge-offs p90, deposits shrinking |  |

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

- 2026-06-22 [Grand opening held for Ohio Valley Bank loan office - wsaz.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNV1o1eVU5WVp2azdKdTFaQUl5NEo1czBjdUhMNWJ2aW1xMUY0YmdPMnNwR25PVzhvU1pmNktvSVU5dnZBX3JYMTBOaTk0Z0lKbndjcUVTbnhVZDZNUGZtTFhENGVaSVRYemdMR2lwaUV0ZUtRZnRfZGhUY2V3TnpMM1I3TGh5LW_SAZsBQVVfeXFMUEtucXhjREYyTkdUaEVRY1RUSnJ5YUliT215Q2VCejZzM01wY3g2T0RreFg5ejVkLW9rYlZHQlZtVDhGT3ZPWWpVbHFFLTZ2V2REckhoQXRobThnaUQxNVdPT2dSdGstZElkZTZrSWhhZ05taHE3b0JuNkpwT1BkaTEtTV9DSC1QdVdXdHpDOGNHckZPVjM3TGFWUk0?oc=5) · wsaz.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-13 [Poca Valley Bank and WVSU partner to elevate athletics - WOWK 13 News](https://news.google.com/rss/articles/CBMilgFBVV95cUxPUGtNMnVkSkFySHJTRlJ1dkVhZUFtQlpaNEhueDNmcmxZbmd0WTktVmlOUzF3LWJaVV8wc0UtQUtUVld2N09nZksySnYzb0ZhTW9pOV9DWnVISXBXOHJWWXFYSlMxV0FqNjRFVmJnWW5yaWVXaWlac0pTMDRyQVZ4b1ZFYXJyVjNZdnZqWDZUSXNveVBDc0HSAZsBQVVfeXFMTTcxcWxrVTE4U1NCSWdPc3lhbDZ1OVRvdVZsNldtY0tMdTVOSm1QMUI5aTI3cEtOY0R4RFhKM013Smd3RVNWUzVsWmVIZFdHWUFub0xhS3p0MGJGcWhQYmkwNTYwWmJ1X3lSMjREWERNZV9zM2FyeWhnOW5PbnFQVThxb2plaklJWHpEc1A4cDkyS28yRGZVUjBhTTg?oc=5) · WOWK 13 News
- 2026-08-04 [Three New York men arrested after alleged identity theft attempt at Moorefield bank - WHSV](https://news.google.com/rss/articles/CBMiswFBVV95cUxNUTR1eW12WW0wZS1aN0hFX2JUd284cVJBSW9yYVQ4d1hxRXJuMXlGLUZhZ2lHUXU0Qk56U081NjVEY2xnZTEyNDVUTFJKYlRkY2ZnSWJQNGpMY3Z2a2ZxblpiOWJCVHJoYmpybENuR0dMdGxPMVBPdDNxaWFUNnFfRWRMeVpPWWtKeFVyT0NwVFdaR00zVUhnWjVXM0hTNXE0RURnVGZuYURFOFdDR3gwLTBwdw?oc=5) · WHSV
- 2026-06-11 [Poca Valley celebrates opening of ninth branch in Charleston - WCHS Network](https://news.google.com/rss/articles/CBMinAFBVV95cUxQUWRkbks1VFZqblJHOS11VHBZVkhVdmM1VFVtSmhrUnltT1hON2xtb3NDWlNiQUl5V005QW5TakZTZDZudzMtU1U0c1hKQmdGdUlGMmNXT0dNdzlNTlRxVWFRbmloM3VKaE9mVjBzRXZzRzg4dFYtQUJtd0p3bFNwUk84bXBad2VSTjRJRzRmYlZkdDE1c3RHX3VCa2Y?oc=5) · WCHS Network
- 2025-11-13 [Capon Valley Bank Partners with Teslar Software to Streamline Lending Operations and Strengthen Relationship Banking - Business Wire](https://news.google.com/rss/articles/CBMigwJBVV95cUxQeG5FSHM2WWkxY2pubTFteG1rWXhvS2hhczI2a2dDS3M1d0JuZzNyX1JhM0tiQ2ZwMUwxWXVKQ0VJeFFOTVpRZ3JybjhiZVJGMENacHFRU0ZCMU9YY3VMbDNYWVp6RkhZZ3Z3Z1FjNGM0cVhfUmZiUnhaZC1IR1Yyb2ZueVlPQjB5bExneElvTUZ1cGVBNDNPODlHVHpTVXJOUjlXNXdhRXNLczdvY2x6NW9xaGk4ODNDcFdrVUtPOUgtZURua1lYbWpiakxSa0NOVlNfaW82cGtuMkdCS092b0c3aXNKSF96THRFS0ZVdno2N1k3RFdZcUlrMm15OGZoOF8w?oc=5) · Business Wire
- 2025-11-18 [FDIC countersues Capital One over Silicon Valley, Signature bank collapses - Reuters](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNbGNfU2VGSzJuZ1Q2a3FMOTdZbmQ2SzhZcFJqSHhfM3lteDRwaVpIdEoyYTZFd0tRbENnWUxnUTVvUkVKRmhjbDBtMmNsa00tbzNNQ0t5bVBlSzRkZDlBNXRvM21QVU5Ub1dRU3hLVEREZzZpcS1JamhJNnZ5Qm1nSWt2ZUJiV01BbEdYdnl1djRKeUtTYXdicU1sSFNEOHY5VWtJVXBEdXZVQU80REpaOW5sSmU4c2VhNVRCVlFGQURWbDhrSm5oQkNYZ3dvWTlFMmk0WmhkcGpTdUgyUkZJeTFHNA?oc=5) · Reuters
- 2025-11-19 [FDIC countersues Capital One over special assessment - Banking Dive](https://news.google.com/rss/articles/CBMimAFBVV95cUxPRkVvUGE2TjJMXzl6Ymg0UVdFN2M5cHY1cUR3aFlrN0lXekpjMy12RWd5X2JkZXJNX0pVUlpXVUEtQjJSSWQxZHhqM254TzB0ajBsbWtMM3ZFakxZZFkwX0tSOGdwbkhTWUVPMDZMQnlRMnI2NzE1YXNabmJ0R3RuMFhCR21lV1RtNF9ZZ2xRNmo1SFU3MzNKbw?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34019 (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/35.json (key "34019", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide