# FARMERS BANK OF APPOMATTOX
APPOMATTOX, VA · FDIC certificate 6813 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 2 (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 | $374.6M | |
| Deposits | $313.6M | |
| Loans and leases | $259.9M | |
| Total equity | $40.4M | |
| Loans / deposits | 82.37% (p51 of band) | 82.04% |
| Liquid assets / assets | 24.47% (p49 of band) | |
| Uninsured deposits / deposits | 8.90% (p3 of band) | 25.97% |
| Brokered deposits | 5.34% | |
| Wholesale funding | 10.06% (p77 of band) | |
| FHLB advances / assets | 4.00% | |
| Tier 1 leverage | 12.58% (p75 of band) | 10.81% |
| Unrealized securities loss / equity | -20.17% (p22 of band) | -8.10% |
| AOCI / equity | 0.87% (p94 of band) | |
| ROA (annualized) | 0.98% (p31 of band) | 1.28% |
| Net interest margin | 4.16% (p65 of band) | 3.91% |
| Efficiency ratio | 71.95% (p77 of band) | |
| Noncurrent loans | 0.59% (p58 of band) | 0.43% |
| Net charge-offs (annualized) | 0.37% (p95 of band) | |
| Reserve coverage of noncurrent | 103.73% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 55.11% (p60 of band) | |
| Auto loans | $26.5M (10.20% of loans; DQ 12.61%, NCO 0.34%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.6% | |
| Employees | 75 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent, capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | uninsured deposits leaving |  |
| 2013-12 | 0 |  | uninsured deposits leaving |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 | reserve under noncurrent | capital falling |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 | reserve under noncurrent | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | auto book souring | reserve under noncurrent |
| 2017-12 | 2 | reserve under noncurrent |  |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 2 |  | charge-offs p90 |
| 2018-09 | 3 | charge-offs p90 |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2019-09 | 1 |  | uninsured deposits leaving |
| 2019-12 | 2 | reserve under noncurrent |  |
| 2020-03 | 1 |  | auto book souring |
| 2020-06 | 1 | capital falling | reserve under noncurrent |
| 2020-09 | 2 | reserve under noncurrent |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | charge-offs p90 |  |
| 2021-09 | 2 |  | charge-offs p90 |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling | reserve under noncurrent, charge-offs p90 |
| 2023-09 | 2 | reserve under noncurrent | capital falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | capital falling, charge-offs p90 |  |
| 2024-06 | 4 | uninsured deposits leaving | capital falling |
| 2024-09 | 1 |  | securities losses >30% of equity, reserve under noncurrent, uninsured deposits leaving |
| 2024-12 | 2 | securities losses >30% of equity, uninsured deposits leaving | charge-offs p90 |
| 2025-03 | 3 | charge-offs p90, reserve under noncurrent | uninsured deposits leaving |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 | uninsured deposits leaving | securities losses >30% of equity |
| 2025-12 | 2 |  | uninsured deposits leaving |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 | uninsured deposits leaving | reserve under noncurrent |

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

- 2022-08-23 [Local Farmers Bank branches not included in TowneBank merger - The Farmville Herald](https://news.google.com/rss/articles/CBMingFBVV95cUxNMXhoWWJjQk9JcmJvLXFsa0lYaXdzQ1M0WnVPT2dxV1JJR056YjBzNzlwRnllMmNWME1TNTdMSFpqbTQxLU1UVUVCSTFQYTlfT1Z2OXFNUTlfU2NXQUc3VzdTel9BaUZteU1vcWg2RlBRQm5GN3pRWXhBRmZVSUp4akVxSHNDVWhWQm5xZmpwWmpub0R1bEZwOUhDVFkwQQ?oc=5) · The Farmville Herald
- 2017-08-05 [FBPA Stock Price and Chart — OTC:FBPA - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTFA0bjBFSGx6RWxkQ2RlYkNLeTFScUl5UnJxY2Y2N2VEak5RamJ1UzA4T1VYNTVVaG5UOFJtU1NWWjZ1dUEycjNyYlM4Y1M3cE1DWF9zaTl0RHk?oc=5) · TradingView
- 2016-10-03 [Police: Man arrested for robbing bank in Buckingham County - WSET](https://news.google.com/rss/articles/CBMijgFBVV95cUxQZnRlSnExQ21mUUxLd1JnM04wRkV2dy10dWM5ODNWWHRjR0Zzb0V2NXZMdDh2aDE4SVRQYWtsc0JmR0R4TTNGVFRTWWN4ZzE4WXNkZnRqamdzaVZJcm9YMEtsdlZrT0tUeUJGR2NCQkhwN21GaF91c2cxX0x0c2ZuTHA5SnJnRWtqRC1vT0pR?oc=5) · WSET
- 2017-08-12 [BKUT Stock Price and Chart — OTC:BKUT - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE10TkpYLS1zX2pSdy1yWnZoUU9Jbk5JS2czWXBsQ2gzWmRHNWs0LWpqRkNHRmNvS0hVU2tiMnAtVjlOd004MmJTWV96TWRPZElFQkNOSzdHVnc?oc=5) · TradingView
- 2017-08-13 [GNRV Stock Price and Chart — OTC:GNRV - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9VRzNPenZqYXRrc0Fpb2l6QWhiSFhTSHMtLTdaTENaTjNNbUs1SlV5YmRBd3lybGhMaGs5aGMwQXV3ZjBLUkJ6VFktbHAxVmduRl9SZVl5ZFE?oc=5) · TradingView
- 2017-11-20 [HCBC Stock Price and Chart — OTC:HCBC - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE02NlpXb0NLYkZnd2NpaGtja29KNEZmV1JHSlFBeGhVM1hoZTNJZFNDaFFTTWVzbDJ5bjNJeXd6VDZaTjhFazY2bVllaG0wS0xIbnR5OGxHVGk?oc=5) · TradingView
- 2017-08-14 [ALBY Stock Price and Chart — OTC:ALBY - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1NSW5vc0ZUcE5FRFJZbUl2WlQ1RG1xLTd5dzV4azcyb2lINXRFQy1MRU5tWU1SMl9nak45UXk0YjBuTTlvdWR2QmFLRU4xblN0MEV3Ym52bng?oc=5) · TradingView
- 2017-08-05 [EXCH Stock Price and Chart — OTC:EXCH - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE5DOWw1MFlhNDdJR0FrdXI4eE1USnBnd3R5bzBvaWpjbjFucXlQSzJybmVNc3VXZnM1dW13ZFM3UnFnZHFlNS04ZnFWcC1VeU1uSlZRS1RMSWM?oc=5) · TradingView

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6813 (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/29.json (key "6813", 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