# BANK OF VIRGINIA
MIDLOTHIAN, VA · FDIC certificate 57627 · asset band $300M-1B · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $353.7M | |
| Deposits | $296.8M | |
| Loans and leases | $251.5M | |
| Total equity | $26.2M | |
| Loans / deposits | 84.42% (p51 of band) | 83.96% |
| Liquid assets / assets | 25.60% (p54 of band) | |
| Uninsured deposits / deposits | 17.93% (p41 of band) | 19.94% |
| Brokered deposits | 14.40% | |
| Wholesale funding | 22.88% (p94 of band) | |
| FHLB advances / assets | 8.48% | |
| Tier 1 leverage | 7.44% (p3 of band) | 10.13% |
| Unrealized securities loss / equity | 2.76% (p53 of band) | 2.47% |
| AOCI / equity | 2.48% (p79 of band) | |
| ROA (annualized) | -0.69% (p1 of band) | 0.92% |
| Net interest margin | 2.85% (p9 of band) | 3.59% |
| Efficiency ratio | 125.48% (p100 of band) | |
| Noncurrent loans | 3.13% (p95 of band) | 0.67% |
| Net charge-offs (annualized) | 0.03% (p58 of band) | |
| Reserve coverage of noncurrent | 11.64% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 8.39% (p14 of band) | |
| Auto loans | $77,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 48 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 | leverage <7% | charge-offs p90 |
| 2011-09 | 5 | charge-offs p90 | leverage <7% |
| 2011-12 | 5 |  |  |
| 2012-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 5 |  | uninsured deposits leaving |
| 2012-09 | 4 | losing money | deposits shrinking, assets shrinking |
| 2012-12 | 3 |  | noncurrent p90 |
| 2013-03 | 6 | brokered >10%, wholesale funding >15%, leverage <7%, capital falling, charge-offs p90 | expense ratio p90, losing money |
| 2013-06 | 4 |  | brokered >10%, wholesale funding >15% |
| 2013-09 | 3 | noncurrent p90 | capital falling, charge-offs p90 |
| 2013-12 | 3 |  |  |
| 2014-03 | 7 | wholesale funding >15%, losing money, expense ratio p90, uninsured deposits leaving |  |
| 2014-06 | 4 |  | leverage <7%, wholesale funding >15%, uninsured deposits leaving |
| 2014-09 | 3 |  | losing money |
| 2014-12 | 6 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2015-03 | 5 |  | capital falling |
| 2015-06 | 5 |  |  |
| 2015-09 | 6 | capital falling |  |
| 2015-12 | 6 |  |  |
| 2016-03 | 7 | losing money |  |
| 2016-06 | 6 |  | capital falling |

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

- 2026-06-23 [Freedom Bank Appoints Purnachandra Dokku to Board of Directors - PR Newswire](https://news.google.com/rss/articles/CBMiugFBVV95cUxNOVA5U0VoTkVtaFZuWTdKSk1IOGxMOTNpa3Y5WTYxOGFjaXFVYVNadklBNlJqcE9YUTEtMXhXbU5odTdaVG5RYnhPUjdXRTQxdlRDZ3lINEl2RzRSQXpuZmQtU2o5LVQ0U1Y2eWR5Vzd4clpjRDZlVVNZUGhabDdvc3pOanVudktxR2FESTZTd0pGd2hKdTJxckppYTRVSjdrdjZld05FYUwwLVJiMkFzbUlYbWs1TVdoSFE?oc=5) · PR Newswire
- 2026-01-08 [The Best Savings Accounts in Virginia for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMieEFVX3lxTE9HYjJnd3NSX3pHdEhKS3poUXZ1OGN6WWFjVm5jOThRaEREMXh3YUx6cDVGZHNMYkotN0x2Q20zNzE1NkpyU21hT1BNbEVneGVMNjVIT3gtVW92UGYtd2NjVkJib1R2bXl3YldwYkNXYWxZTFluS1d0SA?oc=5) · MoneyRates
- 2026-04-20 [Freedom Bank Opens New Branch in Tysons and Relocates Corporate Offices - PR Newswire](https://news.google.com/rss/articles/CBMixgFBVV95cUxPOG1hcV9yYVdWNVNVN2drWk5xZ0hLU1JPMmh6ZGpnSWpnalNfXzR1cmc5a3ByWDZPSFVRem54YWMyaVpQV0QwX0hFYnBBRERGamg4ZFd0T3NoSnp1d2dTMTFXUVJZQ29JSGhudjdtRTVka3BnM0xDc2UwMGRYMHhnRnBCQk4xZ1NKZklueGhxTGVnREwyNWJ0RVhYT1pXMXVjM0k1XzZQTVJsa3ZWOFBfeXlleHVySXBOT1lXTmVwYWdBTGVyQ1E?oc=5) · PR Newswire
- 2026-08-08 [Lorenzo Horner Obituary - Charlottesville, VA - Dignity Memorial](https://news.google.com/rss/articles/CBMijgFBVV95cUxOSmI1THdRU0diXy1rcVJNOWJEVkY2ekFmcmEtRXI1SEJhcW5sX0h6UlgxRUdWUlp3Y3ZJX1Y3THZWSXp3X2FTVi0xaEdwLUxrLVMzcTZycXM5QUlXNVpKakczbnZPWGU5X01HTzJMZXRIVS1Pc1lUUExfYnBIRTVwclhUeTZpcWhvRmYtaWVn?oc=5) · Dignity Memorial
- 2019-12-18 [EX-99.1 - SEC.gov](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOUFhjLU12TC1pV3ZEU0g4RDBBR3lRc3NJVWsyajFLUnVLU3dZX2k4ZkhHcGlWSkJxcnByUnA3cDlUUjlJU1dGNExYdlR1OGFpVG13M2o5QkxobjhaMW9Ya21feXZHM1d6REhfUDE0aDNfcldXZHRBS282Y1EyeHBrdUczazRUWnIydi1F?oc=5) · SEC.gov
- 2011-02-03 [Bank of Virginia Locations - WWBT](https://news.google.com/rss/articles/CBMie0FVX3lxTE5wR2d2X1FKQ25pak5pY0pMaWhPTUh4djNXbzNFMmJJUUl3UF8weGNCRWF0RklCT2cxSE8wUlFpUENPZ0g1c09qYmNicmM4YU5rcTZCUDNCZTlXTDcwRVVPZFI0eXRKZEg2YWRNS3hONWczS19PcUNFYmpGMA?oc=5) · WWBT
- 2022-06-21 [Construction coming soon to replace Vienna’s Outback Steakhouse with a Chase Bank - FFXnow](https://news.google.com/rss/articles/CBMitgFBVV95cUxPV2szVENKazh1WjJVMkRxN0VXbXNhd3NXVmhxdTRNOWJaUHlpdGNwbXhBSUFocUo2THNic2xTT2NCSjJtd25rQ3dlbC11VlMyS3BWaEd6VWlXc1BTRjVqNmQtclN0a2N0LVV4c05XRlhwSmkyWFR6aEYtTVJuakh3UHR5eGIyMERFUTdIXy1zYkNsdDBoOG83VzQ2OFV5X2o0MFg4RjBLQjJHTTQ5OVlnX3QzWWNVdw?oc=5) · FFXnow
- 2020-07-24 [Heritage Offers Aberon Collection of Virginia Obsolete Banknotes - CoinWeek](https://news.google.com/rss/articles/CBMijwFBVV95cUxOZUFlYVNHU2JjX0dqMGE4NUZUblc0R25zU1B0d0FZVlJNaVdRbjlEVk1xYWhmV013c1dMcG1TcXVHNFVSRDJVdEdHdHZXM2VqWWF5TFFjLWFOR3JBM2hKMHlGZkhjR3p4Y09SdlBfT0FjNlNDNXBMeWlJTDFSMUprMVBHT0gtN0pwSHR3R0c0UQ?oc=5) · CoinWeek

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57627 (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/27.json (key "57627", 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