# PEOPLES BANK OF VIRGINIA
RICHMOND, VA · FDIC certificate 57364 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $276.5M | |
| Deposits | $236.4M | |
| Loans and leases | $187.8M | |
| Total equity | $39.5M | |
| Loans / deposits | 77.72% (p70 of band) | 67.95% |
| Liquid assets / assets | 30.85% (p39 of band) | |
| Uninsured deposits / deposits | 8.71% (p52 of band) | 8.38% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.05% (p86 of band) | 9.95% |
| Unrealized securities loss / equity | 0.26% (p20 of band) | 2.77% |
| AOCI / equity | -0.07% (p43 of band) | |
| ROA (annualized) | 0.64% (p42 of band) | 0.78% |
| Net interest margin | 3.03% (p15 of band) | 3.77% |
| Efficiency ratio | 63.97% (p29 of band) | |
| Noncurrent loans | 1.63% (p54 of band) | 1.40% |
| Net charge-offs (annualized) | 0.00% (p34 of band) | |
| Reserve coverage of noncurrent | 131.86% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 69.41% (p88 of band) | |
| Auto loans | $297,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.8% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |

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

- 2012-06-04 [Peoples Bank’s flag comes down - Richmond BizSense](https://news.google.com/rss/articles/CBMiekFVX3lxTE9qalFBTl9qb1RiODU2SnlXeDJVS3o5UE8yWXVIbWtWckRFQ2pPeEZBUF9EMFdrUk9nVVlyVTNfMG9zUDFyaHdXcE1PcEFRcUJaa1hyaTFTTVI5a2JRSlFFTEhnUjVKX3F4bmhfdGZlTlduRkVOWnVpY2Zn?oc=5) · Richmond BizSense
- 2013-05-25 [Obituary for William "Bill" Howard Pruitt, Jr. at West Chapel - Bennett Funeral Homes](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBTNFBMNUM2WHc2eWZLZjkwelJOY3ExRVp6MlBlYVVJU0Z5MmtfUEdUZXFxTlozOVljR0pPdzBHcXN4TkhIZWJPQ0w3MWcxQzJYYTF0ZkFuRjl4X2VJVVctNzVn?oc=5) · Bennett Funeral Homes
- 2011-08-20 [Obituary information for Read Fisher Goode - blileys.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE5sY0tIZEdjNVRXbVlxeVBQNTRhdmp5aW8yVjZ6Ym1IQW1TeDBuaTg1UWp0OUJDaXd3WkZTVlV2N3ZTQU91NzJlQjhEODJMV3BrR282TXJQUjNqNGRQdE1aSjBHUFhjOER4Umo5bmV6MDBHQVE?oc=5) · blileys.com
- 2012-03-05 [Local bank to be acquired in $40M deal - Richmond BizSense](https://news.google.com/rss/articles/CBMihAFBVV95cUxQc1d1dXFfSXFIREFMMnc5eGNxX0RuRWM1anpFb2JLT0pTNG9IMl9JNmwtNFNrV091dkVqT1NWR3haTEk0Q1ZqdS11ZklJVEFURkVsbGswVEpLanNsVHlFVmhINFQtVmFSYS05MWlpaVdrWExGdlVXZWhZY3kxOXFHWGM4Ykc?oc=5) · Richmond BizSense
- 2021-10-15 [William Carnes Obituary (2010) - Richmond, VA - Bliley's Funeral Home Central Chapel - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQVE5iY0RmdmR0Sk1iLW5jMDV2dEdWNDBYeVJ4NURXUmVEVUhNVDVtYklzNkwwU29GaG1Za2U1ZkMxQ2JHRXlSUDF1MTJLblc3dUpaWDFJR1pRQXJGOENWMTZPV0ttVzRzTGNZQnNfM25kRkR3Tm9hLUZiX0RpcThvb0lDOA?oc=5) · legacy.com
- 2024-01-12 [Susan L. Collins - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNRHJsV0k2OUxXY1B0RXJzYVFKZDFXaVZXWDE2SDlpRUJmRkNNaWx4VFFtenpzdTA4RVhHOUZiOXFOam1EdS1zTW5yRDVucnVhaVM5aXdUaUkzTmtBQmlFM05IeEd1dS1IS01FeDNUdjJjYTBDWVlnbjlOZnFtMGlvYmZR?oc=5) · legacy.com
- 2012-02-12 [Seale Moorer Obituary (2012) - Naples, FL - Naples Daily News - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxObnE0WXRsUWcza3hoS1cycldLQ1dqMWtsYlk5X0RGaF9QZXRaXzFuRkpaZWl4Z1cybmlGcDFfcXlSd1RBa1NGSEJvSUUzNlI4ZlI5cWhSTFp6WklESEhRSjBMZkFvbWhFdXcxZGZ1VVdYbXQySFJLYmc0ck9JZHJXR0JqbEFuZE1QeGIxazFn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57364 (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/20.json (key "57364", 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