# STELLARONE BANK
CHRISTIANSBURG, VA · FDIC certificate 6834 · asset band $1-10B · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $3.13B | |
| Deposits | $2.45B | |
| Loans and leases | $2.22B | |
| Total equity | $573.7M | |
| Loans / deposits | 90.86% (p74 of band) | 80.83% |
| Liquid assets / assets | 15.54% (p14 of band) | |
| Uninsured deposits / deposits | 24.72% (p56 of band) | 22.76% |
| Brokered deposits | 0.23% | |
| Wholesale funding | 3.39% (p27 of band) | |
| FHLB advances / assets | 3.13% | |
| Tier 1 leverage | 10.98% (p71 of band) | 9.78% |
| Unrealized securities loss / equity | 0.34% (p65 of band) | -0.17% |
| AOCI / equity | 0.22% (p28 of band) | |
| ROA (annualized) | 0.98% (p60 of band) | 0.87% |
| Net interest margin | 3.86% (p74 of band) | 3.48% |
| Efficiency ratio | 59.52% (p25 of band) | |
| Noncurrent loans | 0.57% (p25 of band) | 1.07% |
| Net charge-offs (annualized) | -0.01% (p16 of band) | |
| Reserve coverage of noncurrent | 4.52% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 30.93% (p52 of band) | |
| Auto loans | $4.1M (0.19% of loans; DQ 0.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | -1.5% | |
| Employees | 602 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |

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

- 2017-10-17 [Union First Market Bankshares Completes Acquisition of StellarOne Corporation - PR Newswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxNMHQ0WG1vR2N3MVl6OXdDNTBtenoxMHZYS2drSUtYUHRrRExCaEZFWUhlTnplc1UwMnVVNzIwVEdkc2JpYXZHRWNGbEhFYU5PMjV3LUhGMFZTZGNBeWpuQmNuMldjQ0E4TXoteDdYMFlfdUVxbC1FVWg1aXQ4TWFFODBhREFubXdtUC1QbnplMmpvazhaQVMtVUJ6emU0d2Vzc1R2T1RTVkFtcGQ4LXBOemx2RTlZMTRXa0hVbGpKNjZ6VkJ0LXJqb2YxYkszZw?oc=5) · PR Newswire
- 2013-06-10 [Union First Market Bank to buy StellarOne - Richmond BizSense](https://news.google.com/rss/articles/CBMiigFBVV95cUxPdklfdGdaX3BqT1V1YTk0bm1ldGRfdFVkZEtuLTJ5NUpoVDk3WjIyemZHYm9aN3V3alFqTVF3YTF4eWg2LWFBaG13OFdwVlpzZUVFLW94enlYYjJfZXlYM3NCWnh1R2t0a1hQLWxxdy1oWFFiVGEtaFRiSGtiNXBPWjRJOTdlcHd5bGc?oc=5) · Richmond BizSense
- 2019-06-06 [Tammy Amos promoted to Financial Center Manager at StellarOne in Salem - Roanoke Times](https://news.google.com/rss/articles/CBMihwFBVV95cUxQb0QxNWt1RDk5dWxaLVNINVhkMzctOXFRLVNYZWJUZklTMU9QV1VUUllNNXN4TFpnSFUyeldBUGdfWU5UWmowMHA4SmpGUVpSTy1yZG5kQkdrREJGNlNnM0RrVUYya3pfMEJaMUZob0w1T2YxaWRUdldTUlF1MXZwaC1hZEdONzQ?oc=5) · Roanoke Times
- 2025-04-02 [Atlantic Union closes massive Sandy Spring Bank acquisition - Richmond BizSense](https://news.google.com/rss/articles/CBMiogFBVV95cUxQOFBUOVVEZEdkRDhsRjdBb1VPOERRNktBZEkydUlfQWw1RDJiTG9OR2l1Y2M5LWllT2prWVBPdGgxelBpWnNqZ2J0eDBJSUVnOEFKX1ZiM0c2SVhGNnJVc0V0RVJKUWphbEY4cFRnS3ZQTU8wMnRXRDc0cnlIOXFlaXNJLWhUQXlhX1NNQWV5QUxiTklmTGFkRjlrOEFGSVl4dnc?oc=5) · Richmond BizSense
- 2024-04-02 [Atlantic Union completes $507M deal to acquire American National Bank - Richmond BizSense](https://news.google.com/rss/articles/CBMirgFBVV95cUxOY0c5SXBpc3VfZFFtanZEUThaTHBxLWFNcERMUC1idGdqQzZVUDNpSXBNRS1mN0lvUFI4SDFRcHJxQUVvM19QQlNPY1J4THRUbHBMdmYyZmhFRnNsWC1XVW55TDFDa1FjQnNjYUh6YUViblhWYzFHN2Y5UjBjSzRmNlA0NjFldnJyY2FiaFgydWwzSUdWVF94RjhuOXg5Y1RxTFBxS1VEcm5vTnNIYVE?oc=5) · Richmond BizSense
- 2014-07-16 [Local bank merger market stays hot - Richmond BizSense](https://news.google.com/rss/articles/CBMigAFBVV95cUxQM2xRbnN4MDEyempVYVlxNE5PcUMta2x4YjFDSVU2eDJXWVNSVjIyMFM4a3BBNURrS1Z6anloZTdNc0J3cE5hcDlIZmVUaDJtYXNHdUU5MGVBYk9LWGl5LTFjVFRIRWtablUzUGRWZEM4ZXBrbXJIbWVSUE1pME1XOQ?oc=5) · Richmond BizSense
- 2016-01-22 [Bank consolidating branches in Northern Va. - Richmond BizSense](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPRFhOeUhpUnpueDRISnVyeUdCLUIwZDU5U0dqUTdLdjE4ZWl4Ym9TM1BMYWZZbXR0cUpNcXRBMkRsQzlQMXJqeVB4OE5nVkppVW85YmVOVHFsZE1CcDZaUW5wdTVmdUt4RURDeU44VFFUQV9qN1NiUnBKYkpJOENxTnV0ckRPRVQ0UnNR?oc=5) · Richmond BizSense
- 2013-10-02 [Banks tie the knot in acquisition deal - Richmond BizSense](https://news.google.com/rss/articles/CBMihgFBVV95cUxNcXluQzhrcGFsLVExOGhidXI1VVNHZkZhTFVRaXBfdThwWkltekhrWHVqMmJvUnQ1Rkg0YnVMNEVPY1NQMy1ERVFvN1dGQjZUcUhodWxabGhPa3ZvWkJzYTU5TGlQcXp1SUUwRWMxZHloOVlQRTViV19XWlpDRGtQTDM1QzEtdw?oc=5) · Richmond BizSense

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6834 (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/50.json (key "6834", 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