# VALLEY BANK OF NEVADA
NORTH LAS VEGAS, NV · FDIC certificate 57933 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $240.8M | |
| Deposits | $211.5M | |
| Loans and leases | $136.7M | |
| Total equity | $24.3M | |
| Loans / deposits | 63.46% (p35 of band) | 73.59% |
| Liquid assets / assets | 41.55% (p66 of band) | |
| Uninsured deposits / deposits | 66.35% (p99 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.31% (p29 of band) | 11.76% |
| Unrealized securities loss / equity | -1.69% (p72 of band) | -6.57% |
| AOCI / equity | -0.24% (p56 of band) | |
| ROA (annualized) | 0.56% (p19 of band) | 1.17% |
| Net interest margin | 3.52% (p30 of band) | 3.93% |
| Efficiency ratio | 75.66% (p72 of band) | |
| Noncurrent loans | 0.61% (p60 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 289.73% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 3.24% (p26 of band) | |
| Auto loans | $129,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, charge-offs p90, construction >100% equity |  |
| 2011-06 | 4 | reserve under noncurrent | charge-offs p90 |
| 2011-09 | 3 |  | reserve under noncurrent |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 6 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2012-06 | 8 | deposits shrinking, assets shrinking |  |
| 2012-09 | 5 | charge-offs p90 | noncurrent p90, uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2012-12 | 7 | leverage <7%, capital falling |  |
| 2013-03 | 5 | noncurrent p90 | charge-offs p90, leverage <7%, capital falling |
| 2013-06 | 4 | leverage <7% | reserve under noncurrent, noncurrent p90 |
| 2013-09 | 3 |  | leverage <7% |
| 2013-12 | 4 | leverage <7%, noncurrent p90 | expense ratio p90 |
| 2014-03 | 6 | capital falling, expense ratio p90, charge-offs p90 | noncurrent p90 |
| 2014-06 | 7 | deposits shrinking, assets shrinking | capital falling |
| 2014-09 | 5 |  | deposits shrinking, assets shrinking |
| 2014-12 | 4 | deposits shrinking, assets shrinking | losing money, construction >100% equity, leverage <7% |
| 2015-03 | 3 | losing money | charge-offs p90, assets shrinking |
| 2015-06 | 3 | charge-offs p90 | deposits shrinking |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 2 |  | losing money, charge-offs p90 |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 2 | losing money, construction >100% equity | expense ratio p90 |
| 2016-09 | 1 |  | losing money |
| 2016-12 | 4 | uninsured deposits >50%, noncurrent p90, reserve under noncurrent |  |
| 2017-03 | 2 | expense ratio p90 | uninsured deposits >50%, noncurrent p90, reserve under noncurrent |
| 2017-06 | 0 |  | construction >100% equity, expense ratio p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | uninsured deposits >50% |  |
| 2018-03 | 4 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2018-06 | 4 | expense ratio p90 | capital falling |
| 2018-09 | 3 |  | expense ratio p90 |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | expense ratio p90 |  |
| 2019-06 | 3 |  | noncurrent p90 |
| 2019-09 | 3 | capital falling | expense ratio p90 |
| 2019-12 | 2 |  | reserve under noncurrent |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 2 |  | losing money |
| 2020-09 | 3 | leverage <7% |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 4 | losing money, expense ratio p90 |  |
| 2021-09 | 6 | capital falling, NIM <2.5% |  |
| 2021-12 | 3 |  | losing money, capital falling, NIM <2.5% |
| 2022-03 | 8 | losing money, NIM <2.5%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-06 | 6 |  | NIM <2.5%, uninsured deposits leaving |
| 2022-09 | 6 | capital falling | losing money |
| 2022-12 | 1 |  | leverage <7%, expense ratio p90, deposits shrinking, assets shrinking, capital falling |
| 2023-03 | 2 | deposits shrinking |  |
| 2023-06 | 1 |  | deposits shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 3 | deposits shrinking, assets shrinking |  |
| 2024-09 | 2 |  | assets shrinking |
| 2024-12 | 1 |  | deposits shrinking |
| 2025-03 | 2 | charge-offs p90 |  |
| 2025-06 | 1 |  | charge-offs p90 |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2024-07-09 [Nevada Bankers Association announces 2024-25 board of directors - H. Scott Johnson of Valley Bank of Nevada installed as its chairman - Nevada Business Magazine](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQRERwTnhzMUIxVmFfTVctM0ZxRF8tUUMzRE9ueVRWbVRSTVdQWGM4TFhOejZuZ09LOXVTbTM0alk1NWdXMkFOMXg2Smx4N09wQU1ZMFczczRUZklrbjJOcm1yUUdqUHhaLTRXN0hBZDI5Y1FwWWdxeXFsX0p6UXJEQkI2QXdtN2pEOWRmNXBiOG5TRG1USFFVbHQwU3Q2U2oxclFYMWhpa2h4eVIwdVRreWk4a3MtbU5Mdmh6QjNGcHYyT0gzQVFIVzNiUElwT2k2eDhmOGtaVUFGcGRqWHZwc2lDeGFJN3FRQldodVU5NDVjZ29ESkdDUmJn?oc=5) · Nevada Business Magazine
- 2025-08-07 [Nevada Bankers Association Announces 2025-2026 Board of Directors - Nevada Business Magazine](https://news.google.com/rss/articles/CBMiowFBVV95cUxPSE9fSUQzZU9IS0ZHdlQxT2ZyRWM4NEpzcExyQ0JrQlg3UC1RQTE4UFVUeGhDV2x0ZzVFcFBBZUNWMGZXbEZTWE5BOFNKOWNwOE5xbnU1ZFkyRWlWdjUtbjBTeEMwcE1QTVJLRkZ6QTVsZVUwalZCanA1d3NaaTRIcVRDYXdBUEltRThfSlgtT0Q3Qk9HTlR0cVQydHllN0QtaXpV?oc=5) · Nevada Business Magazine
- 2020-12-05 [Richard Etter Obituary (1938 - 2020) - Las Vegas, NV - Las Vegas Review-Journal - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOX0RremJ3RkM0NzAxMXkwb0dWWUhOYzhVcmR0VThKQWVYcm45S2F6MW8ydnFCdm9aWFR2OFFNNHp3d0JnNEpSU2lDODVaTUk0bG5JUHdqVER5Y29vbFB0NlJObVVtblZyUGNKbXQwTW9EZVMydnltMnZ0OTQydUQxZEtGZUJVcEk?oc=5) · legacy.com
- 2015-01-15 [Eleanor Stallworth Obituary - Las Vegas, NV - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxPYW15OXFrU05aaUxsYUVhMVBRUEtEeFl5ZEU1SWltUGZTRzdOUmRHQl9Ua3ZnMjlHREFZVUdqb01VLTJyLThPWEV3TUxXNUwtVzhnZG1ibkdqcHFIM1hLSTZUWDgyMklyb2NrTnpGRm82SGVmcF83LU0xdlZiZkh2MHp5QXU2OHZncUE?oc=5) · Dignity Memorial
- 2026-07-15 [Nevada Bankers Association Welcomes New Board Members - Nevada Business Magazine](https://news.google.com/rss/articles/CBMikwFBVV95cUxOWFdXbHAzenliQVdmUUptYXBDZHUwTk9lQWRFUzFVZjZlUm5haVA1amRzZHc2RkNSVngzdngzX2p3TFVEaEpiSG5SUGhwblZPTHdGN3FvSTNBb1dheElicmY5QVQzcEEtZ25IWmN4cmFtQ2hoVDRWWnBaNGVtc3FiYkJLMW5oSzE5MjF6dC01YkxGa0E?oc=5) · Nevada Business Magazine
- 2021-12-16 [Pennye Caldwell-Riley Obituary (2009) - Las Vegas, NV - Las Vegas Review-Journal - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNcUpUZ2NKakVPUkdGYU1tYlhFZXNuQW1UdUloRV9nVkVVTnpfdmp5MzFpYzBmN3NsYVBvWUtmcGhHaVR0Zi1KZkU0b0JwUE8tdzV1VlFySVhFSDdTd0ZqXzc3RmhuUXA4ODBqLXNCSjFaREllMlhiMWtoT1Y4X25HdVFUZ3NRbjJPSUpBN2NRMGZocW8?oc=5) · legacy.com
- 2020-01-15 [City National Hires Isabel Alvarado as Branch Manager of its Green Valley Banking Office - Nevada Business Magazine](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPSDJrMmVWZHlCdjAwUndzTzVGT0M4MHZ5dVFOY0gtU2lMLXJ6ZFlsM1ZHUldWMEtQUUsxMGFFRHNWYWNDNlQ4Z3dMbmlRLXVPbGg2NE9oSFhiSmRGSFhTamNPTm9Cd0JyWXhMZm9LTFZVcE5rc20tcUNQN0dqVmU5Z1hhUU9UNVJuT2FlTzBWanJKTS1HNWRYTnZ6Z0VOOWtaSXU4X0Nhemo1YjBadm9fYVlzWW10VzlUa2VVWVMtRG1xQQ?oc=5) · Nevada Business Magazine
- 2021-11-04 [Robert Sullivan Obituary (2008) - Reno, NV - The Reno Gazette Journal and Lyon County News Leader - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQTnVObi1NRnM2NUNVUC1Sb2Zub0ZPQXI4WGZCWnpTWEU4dXZ1UzdqTVZITHVEWjk1dVc0bGZGN2VRQnB3U05kbUhUVFFJWTI5WlNUQ0wzMERyUFFYNll0YkYySGU3NkJVNUE3VUhYTTJqQmlkeWVkOE45MlB5ckZHNGVUX1V0R2RHekE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57933 (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/13.json (key "57933", 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