# WEST VALLEY NATIONAL BANK
GOODYEAR, AZ · FDIC certificate 58426 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $74.3M | |
| Deposits | $59.4M | |
| Loans and leases | $65.8M | |
| Total equity | $6.8M | |
| Loans / deposits | 109.34% (p96 of band) | 73.59% |
| Liquid assets / assets | 10.00% (p3 of band) | |
| Uninsured deposits / deposits | 21.15% (p55 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.09% (p85 of band) | |
| FHLB advances / assets | 10.09% | |
| Tier 1 leverage | 9.36% (p15 of band) | 11.76% |
| Unrealized securities loss / equity | -2.35% (p69 of band) | -6.57% |
| AOCI / equity | -0.62% (p39 of band) | |
| ROA (annualized) | -1.75% (p2 of band) | 1.17% |
| Net interest margin | 5.01% (p90 of band) | 3.93% |
| Efficiency ratio | 135.16% (p97 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 69% | |
| Construction % of loans | 5.05% (p29 of band) | |
| Auto loans | $7,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.7% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, losing money, expense ratio p90 |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 | capital falling | loans exceed deposits |
| 2011-12 | 4 | loans exceed deposits |  |
| 2012-03 | 2 |  | capital falling, loans exceed deposits |
| 2012-06 | 2 |  |  |
| 2012-09 | 4 | capital falling, uninsured deposits leaving |  |
| 2012-12 | 3 |  | uninsured deposits leaving |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | charge-offs p90 |  |
| 2013-12 | 2 |  | charge-offs p90 |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 4 | deposits shrinking, assets shrinking |  |
| 2018-03 | 5 | capital falling |  |
| 2018-06 | 2 |  | deposits shrinking, assets shrinking, capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | capital falling |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 1 |  | losing money, expense ratio p90 |
| 2020-06 | 2 | reserve under noncurrent |  |
| 2020-09 | 4 | uninsured deposits >50%, leverage <7% |  |
| 2020-12 | 2 |  | capital falling, uninsured deposits >50% |
| 2021-03 | 0 |  | reserve under noncurrent, leverage <7% |
| 2021-06 | 1 | assets shrinking |  |
| 2021-09 | 4 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2021-12 | 3 |  | charge-offs p90 |
| 2022-03 | 5 | losing money, expense ratio p90 |  |
| 2022-06 | 6 | charge-offs p90 |  |
| 2022-09 | 3 |  | uninsured deposits leaving, losing money, charge-offs p90 |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | uninsured deposits leaving | expense ratio p90 |
| 2023-06 | 4 | expense ratio p90 |  |
| 2023-09 | 3 |  | expense ratio p90 |
| 2023-12 | 5 | losing money, expense ratio p90 |  |
| 2024-03 | 7 | noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 7 |  |  |
| 2024-09 | 8 | loans exceed deposits |  |
| 2024-12 | 9 | capital falling |  |
| 2025-03 | 4 |  | assets shrinking, deposits shrinking, uninsured deposits leaving, noncurrent p90, loans exceed deposits |
| 2025-06 | 4 |  |  |
| 2025-09 | 2 |  | reserve under noncurrent, capital falling |
| 2025-12 | 3 | loans exceed deposits |  |
| 2026-03 | 3 | capital falling | loans exceed deposits |
| 2026-06 | 7 | loans exceed deposits, liquid assets <10%, deposits shrinking, uninsured deposits leaving |  |

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

- 2023-11-08 [Arizona credit union buys bank in 11th such deal of 2023 - Banking Dive](https://news.google.com/rss/articles/CBMixgFBVV95cUxQYkVrcHZzZDllY1M5Q3V5SGJuZmNDMTZ0cG1XVHh0b3JtMU52cXVOelp3VVBDNHUzelFucldHTlhmYl83c01OemxfM3VJZmNNeFlmTC1LNnl1RExuWVBzdnF6Vkc0LUxjazNtWHFScXNzWUdtanU3MXNZTDV4eDEzSDRSQVdwdTV3eV9nVVJRNzNlbHRnMURsN3hrdDJfN2c3Q3Y2NGpCemplVUhGZ05ucTRiUGVYYTU4QnhlRE1iSFZIRHlLTHc?oc=5) · Banking Dive
- 2023-11-07 [Arizona deal is 11th credit union takeover of bank this year - American Banker](https://news.google.com/rss/articles/CBMirgFBVV95cUxPcFJDcTloOENIU0t3dXZXRVN3VGNQbTJZLU9CanZHcHBCNHNmSEhzeW5vRk9Qa0VOYnphVFV5NU1zRzFoOGxqZUxBY1JOdWVnekVIbWZQVWpGb292U01uOG10MnA3eDF4ejhDYWZEZ3NPdWoyRDFsbk9vVml3RU1waEZSd3JXRXUwdDZWYTdZTkdwWnNVWl9pdUwxQ25qT0VxYnRPMzU2R0NzSUYzZFE?oc=5) · American Banker
- 2026-06-10 [Ranking Arizona: Top 10 banks for 2026 - AZ Big Media](https://news.google.com/rss/articles/CBMiekFVX3lxTE05Sml4UlpxampJNFI3MWhLZEFDcS1aZUxidWJURjJ5VEFlcDRGdVRBNzVhcHdoeG9fUzJGbUxpZjMzcXJoY0pkd0dJaWdqUEZWcExicUloZnU3VExNNjhoYnFmczFpcFNVZl82b21KOVpLcS04OFY5alNR?oc=5) · AZ Big Media
- 2020-09-12 [FBI arrests suspect accused of robbing 7 metro Phoenix banks - KTAR News 92.3 FM](https://news.google.com/rss/articles/CBMilAFBVV95cUxPVmdRdENCd2ZlN0NIdjJ5dGxseVpkUU1SM0FidzlraTNabmtSM3JTLVI4czh0dHczVTFyOEFGMWViWVM3UFpkVGZvTlNLUm5rLUVaVTUxNDFTUHhxazFGLW5JUEJjLXJrVGRHVFg2a3Y0U1VCVkp2UjNXWW5USW1iT0gzSVppRkw0UzY4N01Hb2htQVRq?oc=5) · KTAR News 92.3 FM
- 2012-11-06 [WESTMARC hails Luke Forward for F-35 efforts - Fighter Country Foundation](https://news.google.com/rss/articles/CBMijAFBVV95cUxOejVWNGd4THUzNWZzMENlRjFQYWpNSU5EOVo5VjNZY3kyekR2T25nSVEtbU9iczhaV2lMMlIxdVYtZUxuQlBfckpTRjlUVFpjaUJOLXEyUjRLMHVDclQ2MmZQeGlsdGpNRUxHYTFQSnQ1NDdCMUVQS0VVNkIwS3pyR0NIRDBtTVZqeWplVA?oc=5) · Fighter Country Foundation
- 2020-09-11 [FBI, Phoenix Police Arrest Serial Bank Robber - Arizona Daily Independent](https://news.google.com/rss/articles/CBMilwFBVV95cUxQWm1OcXpxVEpPdnR3WHhfdUsxXzVxY2U2b004SHVXNVlEcFlUZmNjN19uX0FvNThvSm92SjFvVjMxUnRqbW9udlcxSFVDZlFSYzFwYjNLWWFSZnNpZi15bDhPalcyVE5NUU5aSWF4akJlcVp2d01sb2lPMmlaYW1NSWdiRDVPNk5Ib3Q1VG14emt2SXVRaWhN?oc=5) · Arizona Daily Independent
- 2019-05-09 [Business Briefcase - glendalestar.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNd01qeW52dTdITXBSRGhqRDN6YlhFQTNiMEtKZnJlSXRQdXJJUkl3NUJ6bVkxNmlMZzBZX0REXzkyeFZqdXlrekZTeGJyalFlazFUN0hqZEtXUVQ5Q0pvYVpEanFwZDVsbFowUmc1SmxfTUMtcy1NY05GNDl2NE1XVkkxU2w5TWFwMGpJVUcxRWtJYmc0YWtHMDBBaTVreks3ZDFlRVhZSGdvdw?oc=5) · glendalestar.com
- 2018-01-24 [Buckeye resident named agriculturist of the year - West Valley View](https://news.google.com/rss/articles/CBMizwFBVV95cUxQZV9za29NVHhjX01GUERNLTNnZzR1OURkc2laNlB0MV9XSGVrblR1ZW9DODlUbFVVVkkzQWtwVUFjZHRkU1BBTWNZR2RIRXRabU55cTJvTmIwRDA3WmJQUndmQUY2S2VzeTNsOWl3RXd5dUh6SkV0dmg1b1l5NkFiUzA0cXpyMXJVcnFhLTU0MmRSRWdPTVhNaEczTmVPanJTYVlmZkRFLVFHbS1ab2tiaDVsTjc0Z0w2VUdzMU43aXNFMnc5QkwtY2NCWGp6RGc?oc=5) · West Valley View

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58426 (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/58.json (key "58426", 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