# VIRGINIA HERITAGE BANK
FAIRFAX, VA · FDIC certificate 58174 · asset band $300M-1B · latest filing 2014-09 · 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 | $951.7M | |
| Deposits | $742.8M | |
| Loans and leases | $805.9M | |
| Total equity | $106.2M | |
| Loans / deposits | 107.10% (p95 of band) | 80.43% |
| Liquid assets / assets | 12.57% (p10 of band) | |
| Uninsured deposits / deposits | 18.61% (p50 of band) | 18.44% |
| Brokered deposits | 17.76% | |
| Wholesale funding | 28.26% (p97 of band) | |
| FHLB advances / assets | 10.19% | |
| Tier 1 leverage | 11.28% (p72 of band) | 10.05% |
| Unrealized securities loss / equity | -2.05% (p12 of band) | 0.40% |
| AOCI / equity | 2.72% (p72 of band) | |
| ROA (annualized) | 0.98% (p58 of band) | 0.88% |
| Net interest margin | 3.66% (p53 of band) | 3.62% |
| Efficiency ratio | 61.05% (p27 of band) | |
| Noncurrent loans | 0.31% (p19 of band) | 0.96% |
| Net charge-offs (annualized) | 0.04% (p43 of band) | |
| Reserve coverage of noncurrent | 418.57% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 131.86% (p96 of band) | |
| Auto loans | $114.9M (14.25% of loans; DQ 0.26%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 117 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | brokered >10% |  |
| 2011-12 | 4 | wholesale funding >15%, capital falling |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 | uninsured deposits leaving | wholesale funding >15% |
| 2012-09 | 4 | wholesale funding >15% | uninsured deposits leaving |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 2 |  | construction >100% equity, capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | construction >100% equity |  |
| 2014-03 | 4 | capital falling |  |
| 2014-06 | 3 |  | capital falling |
| 2014-09 | 4 | loans exceed deposits |  |

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

- 2016-11-16 [Chris Brockett Named President of MainStreet Bank - PR Newswire](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOemFETmpJUVQwUWJuRmJkUFhCeVZHdnE4RWZTME5JclNnX2tMNTFuRmZ4aXFHRzVBN2Y1RERiaGw2SWVPMkYzVWNWTW9QUlBsa01fdWtGYzlBZ0VFV3NJSGs5YmZncUxfd0Q0ZDNMSk1xN2V2SXRwU2hzVmtBaFNIRjYzcExjR2lsWGltMW5BS1NkYVdtXzNUUktHbnJTSUJSb2dCQzBKMEM?oc=5) · PR Newswire
- 2014-06-27 [Looking at CRE concentration leaders - Banking Exchange](https://news.google.com/rss/articles/CBMikgFBVV95cUxNQ1NsNGZXRTZJbGF1Q0ZUa2FicnlaalJnNnpYdEVwVk4wWFBOVlVabm1IZzg3Vm1NOF84Mk8tNFRILWFCbUwzRmRycF81QndJZHo5XzhkbHdzeTRMTUZFakU1WG5UM0UxME5pUFZkemZSYWlPNnViTEdxWng0WktFSklLeFl1Qlc3TDdIaXFsd1hydw?oc=5) · Banking Exchange
- 2020-05-03 [JEREMIAH BEHAN Obituary (2020) - Easton, DC - The Washington Post - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOVVgwdy1PMy01TW9pMmppek43bFg5QUxuM0txMDFIMDdrSVZ4YV9aUlRLU2kwY3VTaERNVDRGN0t4LUg4TmZYVFpXR011YkQtRVg4RmlEcHJ5MGFUdWlsZm0tdmdTTFdXSFNuRGc1b1hRWUMwVXdyNmxVTlQ5TXNJSjhtQkVtamJncFE0S3FWcjdDQmZ0SXc?oc=5) · legacy.com
- 2015-04-29 [Robert Warhurst Obituary - Falls Church, VA - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxPUEw0b3g2dXhxaHV6czQzd08xSlVpUGxWWTZkdmFhQmR6OTVlV3FmUnZ2dWVhN3kzSVNoVy16N2dnYXNLbHZXeWtNYV9RbTVXS05PQU9HMDF5R3ZoUnZwNDNzUFBXVWpLdjd5SFhieEQ2MVpjdUt6OXVKcmtkS2VlR0F2SDJWYm1QWHc?oc=5) · Dignity Memorial
- 2013-09-12 [Leadership Arlington’s Latest Young-Professionals Group Makes Debut - InsideNoVa.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQbnBQYnpabG13eWhDWVlHZFlROVpSSTJjMkRUb2FZZmxrTndlaEU3U3NaZkplMDlmQjV3TngtazY4SmNPNWFfWHo5cUhyQk9RMWNldERoblNEdEFNemdQZmdvOFZKanRycWpPQUx2b01JeEZHcHd4UkU2MXFyNDFpVGg4OGhnVUhMUlE2M0pFSFBmeHdrUGtzcFhEZHoyVExkd3JRX0pBVzZOMVdaeU1fTEF5MW5lV3NmZzhieHlCSTdhZjFfVVZ1NWEwaGVPVE9pTURJM3phNkk3ZkI2Y0JNRmlSbW5uQzhvMDMybnhsUmE?oc=5) · InsideNoVa.com
- 2013-03-12 [Photos: Leadership Arlington’s Monte Carlo Fundraiser - ARLnow](https://news.google.com/rss/articles/CBMijwFBVV95cUxPTWpfWXk1T3NOY1Y3Q0k0OXJHT3JVNTM1cnJGa3RPMmxpY1lyYXd3bzNob2lDaC1vYmhpUFZFZG44QklJQkJzUTRxR3QtRUVGWWpoc3Y5bWdmZUZ0bkdjZEt3NnFkNGFGUkxlS1RGR2tzdHdtMlJhWWp1QUZiamhKcmRFbktaWGxxaVZqZk1rdw?oc=5) · ARLnow
- 2015-07-30 [ALAN DREWER Obituary (2015) - Fairfax, VA - The Washington Post - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNSklyX2hrWGFZc0p0eU1aelZvVkZmcFQwcUdBejJsWmdrV2w3UWVLbW5VRV85eDVLR0Z0NmRRdFFueXJGNGkxdmxITTZaOEhwbTBLVWNFT0NrLU11ZllDdFR5YXNHdG5XdEZBTHR5NFhzdXRHWTE5cVRuODNJdkp4U05faFdfYUN4V3NLME9rUWhQQQ?oc=5) · legacy.com
- 2008-04-16 [Matthew Pillor Obituary (2008) - Washington, DC - The Washington Post - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQRExCWEZ3NFNzSnpBc2JXRmU2dWdNMG9hdDBFWjhHTGhncXN6ZXlYQ1Y5TmxKSXZuZ0hLdVJtWDJ5cmVHV3hZclp3S21DcTJuazZnZ0JaY0Q0QUdSUjdRNFJnTGQ4RXFJdmFKQTdjVVVrRVJKbzExS1ZQYlh3NGVobmJEamtIWmxFM09QTFZlVjVoamV2aVE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58174 (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/62.json (key "58174", 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