# VILLAGE BANK
SAINT GEORGE, UT · FDIC certificate 34219 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $124.6M | |
| Deposits | $103.2M | |
| Loans and leases | $71.2M | |
| Total equity | $12.9M | |
| Loans / deposits | 66.81% (p45 of band) | 69.26% |
| Liquid assets / assets | 28.13% (p35 of band) | |
| Uninsured deposits / deposits | 16.09% (p65 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.56% (p73 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 5.75% (p2 of band) | 10.29% |
| Unrealized securities loss / equity | -0.74% (p53 of band) | -1.01% |
| AOCI / equity | -0.13% (p82 of band) | |
| ROA (annualized) | 0.13% (p14 of band) | 0.76% |
| Net interest margin | 4.49% (p88 of band) | 3.63% |
| Efficiency ratio | 93.95% (p86 of band) | |
| Noncurrent loans | 2.69% (p79 of band) | 0.94% |
| Net charge-offs (annualized) | 0.52% (p89 of band) | |
| Reserve coverage of noncurrent | 117.21% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 62.89% (p86 of band) | |
| Auto loans | $303,000 (0.43% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | leverage <7%, leverage <5%, losing money, expense ratio p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 | charge-offs p90 | reserve under noncurrent |
| 2011-09 | 8 | capital falling |  |
| 2011-12 | 8 |  |  |
| 2012-03 | 6 | deposits shrinking, assets shrinking | losing money, expense ratio p90, charge-offs p90, capital falling |
| 2012-06 | 7 | charge-offs p90 |  |
| 2012-09 | 5 |  | leverage <5% |
| 2012-12 | 5 |  |  |
| 2013-03 | 4 |  | construction >100% equity |
| 2013-06 | 1 |  | deposits shrinking, assets shrinking, charge-offs p90 |
| 2013-09 | 4 | capital falling, expense ratio p90, charge-offs p90 |  |
| 2013-12 | 2 |  | expense ratio p90, charge-offs p90 |

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

- 2012-05-24 [The Village Bank sells 3 branches to Cache Valley Bank, avoiding FDIC receivership - St. George News](https://news.google.com/rss/articles/CBMihAJBVV95cUxQRmE2X2dYUDZyOGhDd2x1NlJuTmdXVjVtbkVPbWU5b3U0SFNoWHg1aE9mOFpqWmNLRGFKZl9RVkRmQ1B4UzBHdEZNb0xkZmV4RjlpT0NOOTRvd0xJNG1VM0hNaEJDR3FXWXVvVC0tMDJkQjFKak8yaFAySUJMQlJlM0RIeXRETEs2eVh1NEx4V3lXdHdiRFZGek5ubVh3YWR5dlJXNHAteURob2wzbUpmQnNNclRPRXV5NUkzaG5nOUJzZV9qMkM3dEptWGNFNW9tNW0yU3M2dEtsOGlzZl9NZ2phMkt6RlI2UVZWdVpkQ0p6TmZaQndaV1MwU3pRMEZDWERZcQ?oc=5) · St. George News
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-01-30 [Banks, credit unions revisit in-person banking strategies - Virginia Business](https://news.google.com/rss/articles/CBMiVkFVX3lxTFBtcjFxV1V4cXd4TndLd2tXcnpIUzNGcDJPWjJLMlM3S1Q3UTRtTDZ4blNpTmVyOHBibUhKQ3l0RDdCajB0NHpWS1FkSUYwU1BIbVNyeklR?oc=5) · Virginia Business
- 2025-03-14 [Retired bank president joins First National as finance chief - American Banker](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQRkxNdVA2ejlEdmRqTlozY1B6c1hBNHFfQUxqUlRveER4dDAxam9Jc2QwdC03TG1Cb1pFWEdjTmtUMjk0eVRvRzFoVm45OUFLenpCcEZLX1NuZXp6OHFiNFRBdk00NEZQMXB2SVhWUGNRcmlXQy13WEZoZDQ4OGVVTGxaX0RHRjRIWjFLTng1Y1JxLWdhYXhjSlVYTGh5ZmRHeWFXLTVxZVY?oc=5) · American Banker
- 2010-01-25 [9 Utah banks struggle after bad loans - KSL.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPT1dOTU5kZWhQYng2YUg2dGZGdTN5aGd5VUpwc3E1QXJCUmRxcWRvTldiRElfYXR0aHFGSjdxRnMzY1dpaFNkaXZ4dXR2OFJ4Wjk1V05PajZ4VXNweURUbHkwUXZmN2pLbmozaXpSWGtiVUVzV21MSzhKT3JieTdiMXF3blMxaG5nRGx3?oc=5) · KSL.com
- 2013-03-08 [SNL Report: Worst reg orders fell in 2012 - Banking Exchange](https://news.google.com/rss/articles/CBMilAFBVV95cUxNZkhYU2dja2NWT0h0b3FyZUFUV3Y0ZXJqWFpVNWZ5NllldXJPNk5mcTA5dHNwTnRsenZCbEtNTDFKUk1PYVNHS2dvUlhjd3JTREhSWmRBSHM5dHh4VGtjQWNLRnNwbG1FSnZtazgyU0dwcGthcEJzZ0M3bENLYTE1Xy1jX2daMDVQbE9NSGc5Z0IxY1VP?oc=5) · Banking Exchange
- 2026-06-18 [Cache Valley Bank honors longtime loan officer, client advocate Shelly Harris with retirement open house - St. George News](https://news.google.com/rss/articles/CBMilgJBVV95cUxQWU96amNYdVNTSGxCNmFWMnRDRWd1ZEFWSzI2a1NyR25NaG1YY1k0bnA4dTZIcWpGajIwTlY5dmoyXzY1dVV4OHp0RTdpOGt2V21QLXdqdWxtbDFqU0VCNkE1bjFxNTYxYkFVSlozb2dsWl9EcUQ3MmdWdUFnMXVLMFBqUjV2cEVBOXR2Mm5VVTNoU0x4Y3dpaklhNXEtTWlwdHlMSWkyblkzdkNvSXlRY2c0WGl5MUJ0SFhlcGw4YmdIN2RmSktSQmlrUUt3RTdvT0xxV3JDNjB6ek5GYVZtcnVFdlNfcDFzVDM2dWMxTHdZT0FJbGRtSXRzUTM2VUVzWF9sSGZLVWNERDFwWjhzeloxZEFhZw?oc=5) · St. George News
- 2008-10-21 [Nam Theun 2 resettlement: The uncertainties of livelihood change - New Mandala](https://news.google.com/rss/articles/CBMilgFBVV95cUxQbm5aS2VxRGNmc0JHLWhQZkJLVi0yek5pRlo1eS1Iak9WdlZRNlBiX2pwN29jOFlFMGk5Vm1TcjZUaTd1NWdvX0doWllwWVBVTV9PNE5kMVg3ckEyNlA1T2dyUklYaEIzQ1ROUG0yclpONTRFMDFnUGJHU2Q5UV9aeGRYRUJQSHozMUdabUxjZnlFZE51aEE?oc=5) · New Mandala

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34219 (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/43.json (key "34219", 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