# VALLEY GREEN BANK
PHILADELPHIA, PA · FDIC certificate 58084 · asset band $300M-1B · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $424.6M | |
| Deposits | $385.2M | |
| Loans and leases | $386.1M | |
| Total equity | $37.1M | |
| Loans / deposits | 99.51% (p87 of band) | 80.75% |
| Liquid assets / assets | 8.27% (p3 of band) | |
| Uninsured deposits / deposits | 25.05% (p70 of band) | 19.51% |
| Brokered deposits | 14.37% | |
| Wholesale funding | 14.37% (p82 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.80% (p19 of band) | 10.04% |
| Unrealized securities loss / equity | -0.62% (p13 of band) | 1.00% |
| AOCI / equity | 1.06% (p41 of band) | |
| ROA (annualized) | 1.15% (p70 of band) | 0.89% |
| Net interest margin | 4.97% (p96 of band) | 3.63% |
| Efficiency ratio | 56.66% (p17 of band) | |
| Noncurrent loans | 0.32% (p22 of band) | 0.89% |
| Net charge-offs (annualized) | 0.23% (p80 of band) | |
| Reserve coverage of noncurrent | 223.58% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 138.29% (p97 of band) | |
| Auto loans | $396,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 18.5% | |
| Employees | 51 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, liquid assets <10% |  |
| 2011-06 | 1 |  | liquid assets <10% |
| 2011-09 | 2 | wholesale funding >15% |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | capital falling, reserve under noncurrent |  |
| 2012-06 | 3 |  | reserve under noncurrent |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 3 | liquid assets <10% |  |
| 2013-09 | 3 | construction >100% equity | liquid assets <10% |
| 2013-12 | 5 | liquid assets <10%, capital falling |  |
| 2014-03 | 4 | uninsured deposits leaving | liquid assets <10%, capital falling |
| 2014-06 | 5 | liquid assets <10%, charge-offs p90 | uninsured deposits leaving |
| 2014-09 | 3 | capital falling | wholesale funding >15%, liquid assets <10%, charge-offs p90 |
| 2014-12 | 4 | liquid assets <10% |  |

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

- 2014-07-08 [Northwest Philly’s Valley Green Bank sold for $76 million, will retain name - WHYY](https://news.google.com/rss/articles/CBMioAFBVV95cUxNUXUxRno4UVhKdmZmeUQyb0dWYU5kM0dEQmZCdW5ITlZ4aTFfQ0xoTHdONFpQMUFMRllpRVgtTGM4THAzYUNZMGFRTTU1cUZfdGkxcHpScThiaDJQOUF5SHRfZi0zOHdvV2hSQ2RPRTg5TlpRU0VjMVNtSV92Mk9tdUZ2ejFyeW1EMjQ3bFhieVpsbVFkYjVOaFZHVmJvMWox?oc=5) · WHYY
- 2014-12-05 [Univest gets regulatory, shareholder approval for Valley Green deal - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNQUk4LXNlNXR6S1hfdlM3eWRqN3FBd3c3d3lSNGRkX1Q2YTRoam9HRU1YbzM1WWFoTkktbzlFc2FzakZ5Z0stX2hacVk0VFNVLXVnNUdaRGVlNUtOcVNCSjJaanY5aTFGWENHenQyMHpEc05KdW1lbko0MW80NzhEeElkTHdRSzVGUkJUTlptVVZVUXZmNm0wSXBMTDYtYnFJUTQ5TzhMLTZDQ0xVeGc?oc=5) · The Business Journals
- 2025-10-17 [Philadelphia Finance Veterans Launch $50M Community Bank Fund Through Epta Capital Management - PHILADELPHIA.Today](https://news.google.com/rss/articles/CBMifEFVX3lxTFBLekVyZHhBVEl5ZTBYZGI5OUlMZTE3Y1VJYjc2WXRNbVBCNmZBYXdFWXZnYTdrLWlKenFGTGdxNVdoNUI3Vk1NOUZsTy1faXRfWE1kY2JPdVhVb0gwU3FnU1dieWpDaWJaYlQwVXc3amlMWndlSmcxTllReTM?oc=5) · PHILADELPHIA.Today
- 2014-07-25 [Souderton-based Univest expands with purchases of Sterner Insurance, Valley Green Bank - thereporteronline](https://news.google.com/rss/articles/CBMiywFBVV95cUxOVmJoaUJwUEdENWdXZ0FoZ2s2Um8zb05Uc1Fua1pvc3V2NnNoX2NfOERJOHFNM0dsUHkxUTNyR3dHVEF3czVDclVRT2FSanJONVYwa2o1RUJjS1p3a0xtLUREYmlWUnhqaDVMRlhOMUUxb2lsR0Y4ZzF4ODdORnRralFzSGdrUnV6cjBkUFA0NzVtVkYtSU5wb3lza3lpTmFUV1dOR2RDNTB0SEZmZDZFbGVoM2x1WmxaeksycGxaQWNLQWVEWDY5V2s3Zw?oc=5) · thereporteronline
- 2026-04-26 [Univest approaching pivotal $10 billion mark with no fear, CEO says - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQWFozM19STHFnT2x4OFhMQWpaQlUxbndoT3A3OV9WRjEwMUdHUWlEdDY2TEUwWmdmV0g2RzJiaFFORnRWZ3hJVmlmQ2dHV0dxX0VSOFpoTGs2a29kMVRtVktBYkpUMU93R3RhQVVVaWJCSkpjbHFIVEExMFBmRkY4NVBMUXIyMzE4bk5DLUJtMDBrZkkzTHY1SWdkLU1QcDVuWVBaY1VmSEZURVJydVZv?oc=5) · The Business Journals
- 2016-09-22 [Univest rebranding Valley Green branches - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNTncxelFnOE9YX3diV2ZJYzNzUHRncHhzbVJmOUFmLW9FWU95UGJQd0dVVi1vd2JZbUFwX2ZBSXI3Q09mZW11SlRYdXpMbUhjMDdERllBY3VSRGNJazY0VXpYaDBXNFNWYkwzaE9RS1pSaHFpbU1sb3hOMHBRVHExVGpBOTBfeE8xM2pkWk9POHh5UXZYMkRKdGxDTXNoUG5nSi1rdw?oc=5) · The Business Journals
- 2015-12-09 [Fox Chase Bank selling in $244M deal - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxPdnM2aHcwREtJNlQ5XzU1ZUtkYTQ4cm4yV1pkWVFaZWQxYUlSSTNmQXhrZzlIUDlhcE5OeGNCR0ZCSm4tMkhLZkRlRFgtR3B4Y2FlVm9lZXhUR2RNcE5VSzFudHQtMWNiU2pLODduNm5GMll0MkJGTk9hQWtGV3dCd1BHN1l6d0Y5T0FDdEZJNmpPWGtCZEpMYkI0X3MwdEd6SEpocWRuc0t4VXRCVEk5aXhR?oc=5) · The Business Journals
- 2018-06-11 [Univest hits pause on branch expansion, shifts focus to digital enhancements - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQNUtZUlBlVV96bk9sRmY5VXE0OXcwYTZmSFBKVTgwUWNGa1pndmJwTXExcHowLWxlSXdjcW1JdGFWQTVuYVZ2SFFxeVpSbVRzMHpqaWVKZEt1bTV2bjZROTA4SlZsWXJsaDkyNTF0OHFrcFRfZG03MWp6S3JONlFGSlpEQi12dU91eHhBS3NudmdXNkdGUU11MmpPNmRmM1BFZkFjTG1fc0dCYlhE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58084 (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/36.json (key "58084", 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