# VALLEY BUSINESS BANK
VISALIA, CA · FDIC certificate 34156 · asset band $300M-1B · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $421.6M | |
| Deposits | $367.5M | |
| Loans and leases | $318.7M | |
| Total equity | $49.4M | |
| Loans / deposits | 85.79% (p54 of band) | 83.90% |
| Liquid assets / assets | 19.91% (p37 of band) | |
| Uninsured deposits / deposits | 35.32% (p85 of band) | 21.07% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.50% (p75 of band) | 10.15% |
| Unrealized securities loss / equity | -0.33% (p66 of band) | -0.98% |
| AOCI / equity | -1.13% (p50 of band) | |
| ROA (annualized) | 1.10% (p65 of band) | 0.94% |
| Net interest margin | 4.15% (p82 of band) | 3.62% |
| Efficiency ratio | 65.87% (p43 of band) | |
| Noncurrent loans | 0.43% (p37 of band) | 0.61% |
| Net charge-offs (annualized) | -0.21% (p1 of band) | |
| Reserve coverage of noncurrent | 252.61% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 15.72% (p22 of band) | |
| Auto loans | $527,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 76 | |

## 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 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |

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

- 2017-03-14 [Citizens Business Bank and Valley Business Bank merge - Visalia Times-Delta](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNSkFLVFZrVE8wNkk4UWxlaDJub1pXMzg0SVZ3TWdVQ2ZFWGRmSkNRSHVWN3czOFM1di1UZjZoREx0N3BERnVmZFp2b19oSEVwRXBZM1E0eUlEdm9Cekdybmp0V0diN1RBN2ZJLThEWVhFS0dHUWFKck54UlpBREJBc0dtMzBmejh0WjVmQ053Z0d4d3RJT3RYbi04MTd4dWRSNmRyYTZOdm5iN05YaUxiZjNfNzVHZndRT3hiR1lfVWJPWjg4eG9oSG42aFRtc2I3NWlrOUN2V3FVUQ?oc=5) · Visalia Times-Delta
- 2018-08-14 [Citizens Business Bank acquires Community Bank, adding 16 branches - Orange County Register](https://news.google.com/rss/articles/CBMimAFBVV95cUxPWFI0U1BjLUw2ODBoNENPN0tIaEJoM3cwbGlNNmRtSXNoVS1PWmktMHFla1dhQmdzVUJMQWlfM3lLV0tpN003TXdoNklZbWdmVl9rbm5MRElqSmRWLUpQMk1NUEc4V1NUUFJHNWkzZUpqQW1qMi1NOUFNRVFxamdnWFJTcE4yWXpUQlByTGs0REtTRFU5a0Fwdw?oc=5) · Orange County Register
- 2021-08-09 [CVB Financial Pays $204 Million for Visalia-Based Sunscrest Bank - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxQZDlaRjlJZkIzWklkSHRzUzBhdUhSM19PTExha2psN1ZGanpDWjByZ2p2a05aUnFNS2tRZENQcXk1NU9vQW90WGNYODE0ekdRcVJZX0tvZllmY3F1REpSMUtwVTdiY3AtLU5KeER1YjNhT3E0QWYzOFExZUZERXhIRm5ic0QzZ2R1S0E?oc=5) · Los Angeles Business Journal
- 2025-04-25 [Southwest Fresno residents’ battle against industrial rezoning delayed at City Council until May - Fresnoland](https://news.google.com/rss/articles/CBMiygFBVV95cUxOcEJLRVJTSGY3aTNTeEdDVUdUOHV3eVhxZTFGMUNGWlF4RWJ2V3VXc2s5VHgwWWlCWjhKOEUxU1lxX3gwSEdvNU9tM2I5NFN6MXlzWkxBSmQtMDdZeEpaVGdjSzk5bVdLX0ZhOE9NYU1MZ2lhZEZGMXdkMERieGFkSU9kTlM1QVpZWFRQUmgwT25OZU83ZlFtdVUyU0VmTVRUUzF6OVk2by1BTmMtcW96YVNzd3ZBUVNWY0RYdERhREQtWHNqaUU5ZmFR?oc=5) · Fresnoland
- 2018-03-13 [Felix Cruz Obituary - Visalia, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE1ob3FlRHB6bERaQjFabDJ2a3EtblZnSmVsN29uRVNMVUFjclM0cXpLUm51QllfN3owSEJYVHIyNFQ1clZSeG16RTU0aHVrcG83aUdkSVhpeEJUU3ppVVgxUW1RZDBjV19xNXV2R2tTNkdtN0dxLUlUb0RrcEI?oc=5) · Dignity Memorial
- 2025-07-01 [Sherry Gail Taylor Obituary - Tulare County - Visalia Times-Delta](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBkNWctQk1lSzhhZkhHUlR1OHBxNlpwSW9xZ1pRUDRrOHR5U0FfLVpGUHRxZUYtQ0I2VWlpX1dWVmN4dGx2NHBvTU5lYWtzU3N6TmVlTE1qUmxQRU1kcUJzOWNNZzlQQUk?oc=5) · Visalia Times-Delta
- 2011-06-18 [STANLEY SHAMOON Obituary (2011) - Fresno, CA - Fresno Bee - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOVTF3eHlyRFk2RlBWYmtPSFFmUW5VTUFha3lOTGZGbmEzeFdTSlpOYlBUQkR0TzZGYmhaRjdHWkFwQnVvZXV1aG84N29rMHZBallFSVRwN3ZlZnBZYjZoRmVXYkkyZjE5WnpMenV4c2RiQ3BHREtJWm9LQVdyMEx0cmpZOUVjMEN6clpVSmV3RzRHZw?oc=5) · legacy.com
- 2016-05-25 [Arts Visalia honors art patrons - Visalia Times-Delta](https://news.google.com/rss/articles/CBMisAFBVV95cUxOZE5ZNUVsUzg2cktGYWRxTzF5UkdLcURNWVFaTlVnZjBFM3BpVDdmd3B4NzlmbXhzYUpfcF9xS2EtRjhYbjQ4YXFzNWZfbVpoTDRPejJSVzJjc1VIczd3bVlSS0ZBbjAtNHFHVXhUNl9veVppYXlyb3NsOU1aU3ZBa1hVa1dHQXliUlJhcjhrT2k5MTRiMGtVcWNEX1BjbmZxdXNpOXRlS1ZGa2tOWnFjcA?oc=5) · Visalia Times-Delta

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34156 (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/44.json (key "34156", 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