# MIDDLEBURG BANK
MIDDLEBURG, VA · FDIC certificate 6881 · asset band $1-10B · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $1.24B | |
| Deposits | $1.06B | |
| Loans and leases | $836.7M | |
| Total equity | $112.8M | |
| Loans / deposits | 77.97% (p31 of band) | 87.83% |
| Liquid assets / assets | 27.17% (p64 of band) | |
| Uninsured deposits / deposits | 32.41% (p66 of band) | 25.51% |
| Brokered deposits | 2.84% | |
| Wholesale funding | 7.35% (p43 of band) | |
| FHLB advances / assets | 2.41% | |
| Tier 1 leverage | 9.12% (p31 of band) | 9.88% |
| Unrealized securities loss / equity | -2.12% (p17 of band) | -0.51% |
| AOCI / equity | 0.16% (p46 of band) | |
| ROA (annualized) | -0.84% (p1 of band) | 0.97% |
| Net interest margin | 3.17% (p29 of band) | 3.44% |
| Efficiency ratio | 91.22% (p98 of band) | |
| Noncurrent loans | 0.49% (p44 of band) | 0.56% |
| Net charge-offs (annualized) | 2.94% (p99 of band) | |
| Reserve coverage of noncurrent | 190.54% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 26.61% (p31 of band) | |
| Auto loans | $1.3M (0.16% of loans; DQ 0.99%, NCO 0.00%) | |
| Loans to nondepository financials | $404,000 (0% of equity) (p76 of band) | |
| Deposits YoY | -2.1% | |
| Employees | 165 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | expense ratio p90 |  |
| 2013-06 | 2 |  | expense ratio p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 | expense ratio p90 | wholesale funding >15% |
| 2014-03 | 1 |  | expense ratio p90 |
| 2014-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | charge-offs p90 |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | capital falling, charge-offs p90 |  |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 4 | losing money, expense ratio p90, charge-offs p90, assets shrinking |  |

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

- 2026-04-16 [LCSO Investigating Barricade Incident in Hamilton Connected to Middleburg Bank Robbery - Loudoun County Sheriff (.gov)](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1WdnZEcUt4MkFuaEE5SzUzbWhkNW5CakhoX0tsVE9Tc2NHX2ppWEVUYXBHeDFxREltMVZQY1A1blBMUFJQLW5oanR5aUgzNU43OTY5cE11T0k0Nng4N0ROZ0lxaw?oc=5) · Loudoun County Sheriff (.gov)
- 2026-03-24 [Deputies Respond to Middleburg Bank Robbery - loudounnow.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPS3BobXdSSVAxM2VQVjdmMUU4TmRWVzVRREhCZkd0RDE0UDI0R0VERjBCSmctZG5PaDFnRGRRY0Q3MHRORzRleWx1UUNNVlRUblEzd3hUeUJwVlU2ODZ2emJBMGhJUXFHdFZTcVN1OEZUX0ctS09rNDVZTkUzc09Wb25RZXE4cU5PeVVRQ0Z6XzZpMGUteUN4QURITjc1R1JkYlBKR0E1VnpoLWoydGFXdTVSaUtseWZCcTFhTUNuVUtWLUU?oc=5) · loudounnow.com
- 2026-04-15 [One suspect dead, another arrested in Middleburg bank robbery - InsideNoVa.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQN0M4WWJpYTlBVm1vU0U4aWQzOFBiYTVYOFFPM00tejE2Y1pSWE42WGZ3d2VFOUMwaXZwdERqUVZmMExndXJETjhUQzFmWTVaOEdiQ3BXNnlkaWNXNElMa3hVNmtnSS1QNlBDU1IzV1ZDUk9jZ3lGSVV6UVRBVTJURWJFbEhXUEVMNnh6VTZVS2Y0d3V6R2Nla0czTXdGbkJsWFRWel9OOEd4Q1RoZ2R1emsyWmx2Y2VfOGhSTldISzV6UUsyckJyazJRZHBwd2M1ak1LR2d0WktBM3BzNDhXVw?oc=5) · InsideNoVa.com
- 2026-04-15 [One Middleburg bank robbery suspect dead, one arrested - Loudoun Times-Mirror](https://news.google.com/rss/articles/CBMi_AFBVV95cUxQekVpdmF3VFpXOEJ2bTFsR3YySEQwQ21KZXlrN013OW1lVFdPNHdTU00zOFdOM0FIMEg1cVdhZW5aMzd4LVNLRjZ6T29ldmNpZWlwTEZUM1NEZUMzdGJMRzdFTXdyR1h1dlFJaEJlOTdwaFVzbEMyS3gyVjYydmExT2ZiTHNoWnM4VUtnYUJQc1VyYjhaTGZoeVdBV21MbVBPNHFldFVadVV1VDZEeGNRS3JTQ0daa2g2dnBDckhkTmVTYkRST0hZYTlpa1hza0MtY3BoVWdYcWctQ240elhmSFAtRl9iVThIb2NoNTFZTTNHcndBVG5CYlVvQTA?oc=5) · Loudoun Times-Mirror
- 2026-04-15 [Man dies in barricade, partner arrested after bank robbery in Northern Virginia - WJLA](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNMGNRbWpYMlBnUHlfSk9QdTBsbS1XNE1jb0F6Rml3NFRzM3hIZXBqNXg4T1IwTHNodV9HY04tUHpzd0U4S0RaUkVveDY1elhPZHJEX2F0dzFtMzdISFZuQ0lGSTcyLWN4NHBwWGJOTGxRbVdja2J1bjVpVHNfcjZJT1U0TEJyM01GTVFqVE5yRWhnU3BfQ1c1dGRFYmVQY3dBdFBqREV1eUMwUkxQMzhkRkpHZHVkTk1wM3NKZTU4ZFVRZ0FLM0RwT1Fod0tEdTJXeE12Qk9HOVNJTS0wRjcxWHlOc1BReW5ZTDRqN1pzdWdjcHpT?oc=5) · WJLA
- 2026-04-15 [Bank robbery investigation turns into deadly barricade in Loudoun County - WUSA9](https://news.google.com/rss/articles/CBMimwJBVV95cUxQTjBJQXh2cTFlU3Zfdmd5WEJUMlhtT1l4aXNQYUpKNUYtMUxPbG5SZUlINHNnZlgwQWY5dnVnNVdqMXM0MExVM3ljdk16S2JtOUU4NUExckpnZDd6RHBBRFIzZjVoN2QtN1VDbjNScmFCTTR0Q3dkRE1uM0Z0eUNiTVVwSXlhdHdNNmpGVy1kWTl2ck0wc1ZWTWxWSHVobVZiclNzVXB4LVNkMXhaaEVLMHZpN3JOX1NmbHdNR1Vvb0xieDQ2VDZZaXBubmRlcjJ5Z3lUUzg5RmRUN2kwRjY3aHdZc1hYck5VYXhBd2ZlZHhSbWNtT2QzNEpmUHBLdlpRS05jYUJqU3ZXcHJDVjVEUEF6a1h0QUxQRThN?oc=5) · WUSA9
- 2026-04-15 [One Bank Robbery Suspect Arrested, 2nd Found Dead: Loudoun Police - Patch](https://news.google.com/rss/articles/CBMinwFBVV95cUxOc3B5M0dTeUp2bVJHUmhKX09PTXNQSk9fSTRuZW1lc211S0hMb2V5UGdBNVI1WlhkY1hPNDJwWUZ4aXlFUWV4dUcxdXRrNENicm5aNVJ3MDRRQm5ySzNOQ09zaF9vRGpyZEZjdkswM2lqUmhrUkZnRjZvYWd3N3hvTEVkUnpjSkNTWjhMQnB1RG0zM0VjVER6d2RacHBqV2M?oc=5) · Patch
- 2026-05-26 [Middleburg Bank Robbery Suspect Recaptured After Skipping Court - loudounnow.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOeDZxY1hoZWROTTljM2ltaDNOYmlNa0p1NEVjOFcxMXpkSTNWaFRSVlphaEkxVXl0Smk1NDJVaG1KWlExUDdPaDRER2QySE5oUDRRc1BUSjRsX3dROEhENDkwdDk0QkJJVFhadEs0RlNkck5DQzhXRG5GdmhQc2xTUTZQSUlXS2pxSENQa1VxREJFdEpYOUJqekFTQXdHRGl4cVF0aVhHcWxrUUdnUEJIZUlEeE1hVUZyOE1Yd1lqN29KWVgyM0J5Wmo4ZGNkYUdfT3EzQ3dzRWF6VTh0Q3c?oc=5) · loudounnow.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6881 (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/33.json (key "6881", 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