# VALLEY REPUBLIC BANK
BAKERSFIELD, CA · FDIC certificate 58828 · asset band $1-10B · latest filing 2021-12 · stopped filing (departed)

**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 | $1.38B | |
| Deposits | $1.22B | |
| Loans and leases | $829.2M | |
| Total equity | $145.6M | |
| Loans / deposits | 67.08% (p36 of band) | 73.47% |
| Liquid assets / assets | 37.71% (p66 of band) | |
| Uninsured deposits / deposits | 67.11% (p96 of band) | 33.32% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p7 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.20% (p66 of band) | 9.53% |
| Unrealized securities loss / equity | 0.90% (p78 of band) | -0.38% |
| AOCI / equity | -1.83% (p45 of band) | |
| ROA (annualized) | 1.38% (p65 of band) | 1.21% |
| Net interest margin | 3.32% (p57 of band) | 3.23% |
| Efficiency ratio | 42.15% (p8 of band) | |
| Noncurrent loans | 0.27% (p42 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 488.75% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 40.46% (p46 of band) | |
| Auto loans | $186,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 12.2% | |
| Employees | 118 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | uninsured deposits >50% |  |
| 2011-06 | 0 |  | uninsured deposits >50% |
| 2011-09 | 2 | uninsured deposits >50%, capital falling |  |
| 2011-12 | 1 |  | uninsured deposits >50% |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | uninsured deposits >50%, NIM <2.5% |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | NIM <2.5% |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |

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

- 2022-03-28 [TriCo Bancshares (Tri Counties Bank) Completes Merger with Valley Republic Bancorp - YubaNet](https://news.google.com/rss/articles/CBMirwFBVV95cUxOdXVMYWhBdVA0RnFLVWlPYXF6bVAybF91cjd3SzNFYUN1WEcxSGtBVmZ5OWU0bktZR3R4RERUNS0tbEREb1Z0SXhYU1E0dmZEd2FFb2U3WmVsZVNrTjBzRjhIZ3JFQjAwVXlFZVEzdkZoc2c2R2gxcTRuZnd6SlEzZmlkUnpYUXMwcDZXUy1XaFhOeTJWY3l1aE5USTZaM09Od3ZUMzkydFNLUFE4QzNr?oc=5) · YubaNet
- 2021-07-28 [Valley Republic agrees to purchase offer by Chico-based bank - bakersfield.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQZE1JN0VvNjVKVUVBWl9mdWpYd3V2TnAyYjZ2VWd4SFA2bS1qQWdFcU9EbVpaQVI1VzJrSHZLTDdXYW1Xa3EtdTlhZW5kbnQ5WDNvTUw2OFU4eWpqNXJNSVg0VDB2TktsMXRpb0tWTEQwcjI0bnZkM3BPbklkZUhtMGtFRTRvdGhuLXMyMTBkUV9kWi1wRlQ0aWRFWkxYcTM3SnFHM243RHNSdzJmNm5Dd1gyM0dYVTM2ZUlLdngwY0FzeWdYcXJmTktOVlpDMTZlM25MNEtpSFJtZ3M?oc=5) · bakersfield.com
- 2024-06-13 [Fifth Third Bank Opens Central Valley Commercial Banking Office - Business Wire](https://news.google.com/rss/articles/CBMivAFBVV95cUxOZFk0OFE5SjNqSkQxX2NTSHRpVEFidmFJaEU1VEhkVERGand5aXVZME00Y2cyLVh1aXhvSl9fRF9DTm5UQUFoMnZPRmVsNlotXzF6NFdPRnFYOVY1dHRFZTU1Mm9WUC0xWWlxZEEtdEZmY2NvcHdvczB0SkxwUVp6VkdnalQxcWRnMlloMml2UlhnUnhfbUFmVTZLalAtZjZEdXo5Wm15ejlHYmhGSkkzbFJxQ2VhQlkzRFRwdw?oc=5) · Business Wire
- 2026-04-15 [Fifth Third Bank's California market leader on the Fresno expansion - thebusinessjournal.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxPU05xMEEtbG1MZGZYUGZnNHcyRmhCVXM3WFVKSGVNYW1uazRLelRqa1JiQjN4ZG9FcWtZczVjYV9FVU9LX3V4TWpFWHJ6Zno3cFhfTElZRDZIT2diRy0tTk9uVTVfdGlGdnRNalR2aWxuTVVnNTVSR3QzanluTWRHRmxsOWlQbEF1WDAyN1hXd1ZTeGQ0RThJMXljdGkybms?oc=5) · thebusinessjournal.com
- 2024-06-18 [Fifth Third Bank continues California expansion with new commercial banking office - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPQ0hGb1F4ZGtZRURkX3lhYUhBZGZCem42MGhfRzdyc2xYTU4tSEtVS0hHam1nQUtwZXlBQnNFdlZkdXFsR0x2SVN3Xy1xZVZDZmJUMW1QMzJLT2hzV19aNjJtRk14OHFQOUo4cWZvX3k4UEJXUTlDQ0VvOW44S0swQjZpSzB5bWEwVjl5MW9JVkhqSF9CZnJmSFFEWlEwanlQWFNLNG1QblQ0OUt0QldF?oc=5) · The Business Journals
- 2021-05-10 [Voiland exits Saltchuk Board after decade-long tenure - Saltchuk](https://news.google.com/rss/articles/CBMihgFBVV95cUxPaWdNN001QVV3R09ickIwejlSRy1Ea1Q1SnRSdGxfa2lxcXJJYnQwSGIyMEgtdXlOalNZQ0dZMXZIWFBQMmh2VXAwaC1WZzVnU3pYSURSdmQxMHU3aGVuZ3Vnb25SWlBQai13LTlGeVFnY21SZ1hEOUI3X2NIVFNZS3lBa0hxZw?oc=5) · Saltchuk
- 2026-04-07 [Fifth Third Bank opens first California branch in Fresno, with 84 more planned - thebusinessjournal.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxOWWhzTFVEX3ZGODZTU3d4RW9aSW5KcDB6SzZCSE91cFFVLUYwb0tEejc5ZF9icXA5VExDY2oxMUU4N2dfcFhDZWtod3c4bTMtOU9NWGkzRnBfTjBXeVI4ckZoZWxDRFFKRHdsLTI2UFFsR1ZHbWYwMnFnOFhwNTIxaGFUc0l1YUZYSzF3NzV6WGRGX3NudTBLTDdqTWRadUZnVzFzSmhiNU50S24tLVE?oc=5) · thebusinessjournal.com
- 2026-03-04 [Fifth Third Bank names Bay Area leader as it expands in California - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOU2hMdVJxM3lVYVhsQlRSV1FpR2hBWXoydldtQ0hieUQ1MTNfVzUtT2VydEtGZC1ZOEcyNHFzaVA4d0pxSUNZVTB1WkJ2d0lVdUhtNzlINVJJTHUwZHF0bTFPbGRvNXBpLU5uN2tHOU9BdjRiU1c3eFBtZGd0VDBNcnlYWkRqaHdfX0NyOUE0NllLYml0SjNoMTlXQzZVYl9yNWV3cHQ3SUVLME0?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58828 (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/12.json (key "58828", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide