# VANTAGE BANK OF ALABAMA
ALBERTVILLE, AL · FDIC certificate 58375 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $134.9M | |
| Deposits | $116.1M | |
| Loans and leases | $88.8M | |
| Total equity | $18.5M | |
| Loans / deposits | 75.75% (p46 of band) | 77.79% |
| Liquid assets / assets | 31.49% (p54 of band) | |
| Uninsured deposits / deposits | 15.46% (p48 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.13% (p68 of band) | 11.56% |
| Unrealized securities loss / equity | 2.93% (p81 of band) | 0.80% |
| AOCI / equity | 1.79% (p44 of band) | |
| ROA (annualized) | 1.52% (p77 of band) | 1.05% |
| Net interest margin | 4.34% (p77 of band) | 3.84% |
| Efficiency ratio | 56.63% (p18 of band) | |
| Noncurrent loans | 0.01% (p18 of band) | 0.56% |
| Net charge-offs (annualized) | 0.09% (p80 of band) | |
| Reserve coverage of noncurrent | 6546.15% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 30.43% (p66 of band) | |
| Auto loans | $4.2M (4.72% of loans; DQ 0.76%, NCO 0.07%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.0% | |
| Employees | 28 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2014-06 | 4 | capital falling, losing money |  |
| 2014-09 | 3 |  | losing money |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2016-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |

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

- 2022-05-23 [Infirmary Health reopens Mothers' Milk Bank of Alabama Donation Depot - mynbc15.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxNSlFGcHlvY3JNUWJqRDVlUXBMOTg5Ui05R3BTTG5YQkFJWG53Wm4yNGxldnFPZmRYeHJkWDVtT01QcWxNX2lCSEU2ZnNTeUEzMHJ4aHhoaGVsUy1LanlwMnlyS0s4dHpUNHhld0RuaTlkazBBLUpOT0YtN1VBSGxlaVlNdE9lM3NSUDNSTGgyTGFmeFdBNjRUQmgzMFFHcHcx?oc=5) · mynbc15.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58375 (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/7.json (key "58375", 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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