# FAUQUIER BANK
WARRENTON, VA · FDIC certificate 6923 · asset band $300M-1B · latest filing 2021-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $910.6M | |
| Deposits | $817.8M | |
| Loans and leases | $623.6M | |
| Total equity | $73.9M | |
| Loans / deposits | 75.38% (p54 of band) | 73.43% |
| Liquid assets / assets | 27.05% (p35 of band) | |
| Uninsured deposits / deposits | 22.43% (p40 of band) | 24.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.38% (p39 of band) | |
| FHLB advances / assets | 1.38% | |
| Tier 1 leverage | 8.31% (p15 of band) | 9.83% |
| Unrealized securities loss / equity | 0.70% (p47 of band) | 0.83% |
| AOCI / equity | -2.63% (p29 of band) | |
| ROA (annualized) | 0.14% (p3 of band) | 1.17% |
| Net interest margin | 3.23% (p45 of band) | 3.30% |
| Efficiency ratio | 93.03% (p98 of band) | |
| Noncurrent loans | 0.45% (p50 of band) | 0.45% |
| Net charge-offs (annualized) | -0.04% (p9 of band) | |
| Reserve coverage of noncurrent | 255.77% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 82.90% (p87 of band) | |
| Auto loans | $894,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 29.9% | |
| Employees | 136 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 | uninsured deposits leaving | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 3 | reserve under noncurrent, deposits shrinking |  |
| 2012-12 | 2 | charge-offs p90 | uninsured deposits leaving, deposits shrinking |
| 2013-03 | 2 | capital falling | charge-offs p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 1 | charge-offs p90 |  |
| 2015-09 | 1 | reserve under noncurrent | charge-offs p90 |
| 2015-12 | 3 | losing money, charge-offs p90 |  |
| 2016-03 | 0 |  | reserve under noncurrent, losing money, charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | capital falling, reserve under noncurrent |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 2 | capital falling, reserve under noncurrent |  |
| 2018-06 | 0 |  | capital falling, reserve under noncurrent |
| 2018-09 | 1 | construction >100% equity |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | construction >100% equity |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | expense ratio p90 |  |

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

- 2021-02-10 [The Fauquier Bank Banks on Diversity - FauquierNow](https://news.google.com/rss/articles/CBMijwFBVV95cUxQa1BWRl80N0FDNE9odWpKVGZKWlMxdkVFOHVRWTJNY09mOTNnTDdJRllRNTRUTW5XcWsxT05FWnVWYXcwSngwYnJXcC1IT0VEMzUzYjZidm9EV3FQQlNnaWVObEpsLTloQkJPX25rN0xsYUg5QnFhalpXZkRjbHV2T1RxTnh2dmR5LWc2X1J0bw?oc=5) · FauquierNow
- 2002-02-02 [100 Years Ago, Fauquier County's First Bank Opened Its Doors - The Washington Post](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNMmJCUEJJVkdNZmYwR2dQeFhxX2Zsc0R1S09sclBHZ285MmU1NDFhUDNlVmJ5X0Z0WjRDYnhmb1oyQlZQMk9OTzlxQlNsdmtzcEZoelVhR1lvYlFPYkRiWjZmOEdEajNnWjlNb1RpLXZsUktMYW9LQ0dwU1liZldaLTBaZXpfMVZBd0d4WVV1ckhiUjNuSWxBSnhWU2Qtbk00a2RwRFlGeHozYlNNWmxOeWswN0Y5QU8zSktTbVRmSldpVEY4d1Z0ek04MjBBUkU3OThlUk9HUUNEYzZKcDRadVd0eEFvNmc?oc=5) · The Washington Post
- 2014-06-23 [Fauquier Bank Hires New Senior Executive for Commercial and Government Lending in Prince William County - PR Newswire](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQZWlhRVVLZjljbkNjdVl6Q0VRYTVmdE44ZFBkbjBXbC1YOUQyQy00RkowLUVRejhLaUhPb0xoejdvSTEzLWFXbV8xemJHcTZpNTFuVjZrX3ItaHFGd0F2RTBCOTNBTnhKOURjX0NJeU1rRVZkOEx1VmFqYVBaVmFOZVMzZXRwN0V6eEVhQURRVFo0ajVuTzRxR0RNSkZGSzRVeERnTzJ6SGRYc2VaUFIzMW90VVVreVdpdUxqcWxBMDFUZ2NNTUVvcUZTZDJvSHhZeHF5U1ZscXpFQ1BmaXRjYVRXZWJ2ZFNsOTBhZjhueC0?oc=5) · PR Newswire
- 2022-05-20 [Fauquier supervisors support finalizing Virginia National Ba... - FauquierNow](https://news.google.com/rss/articles/CBMijwFBVV95cUxQQTl6cUNydkZPQ3dWNmJhYm1JTm15ZFJjMFl4VEQwY0JXVG9jWTBwZXg5N1FvV2xQTUw4MV9HT0k5M3ZsUmtQT09xTlZxYkV6U21HSVczRnkwWTF0bm1WSmJnS2xHV3ZtSkI5c1NQem1pNlBuWTBTOEs3ZE9sV3BCanJHaWVGWVhwSWV5aDhYRQ?oc=5) · FauquierNow
- 2014-08-05 [Jene K. Younkin Obituary Aug 5, 2014 - Harris Funeral Home | Johnstown, PA](https://news.google.com/rss/articles/CBMiakFVX3lxTE5RUGdSSThwYkpYTDVwZHRYWTQtV0d3R0U2YVZpcUpWc3VqXzh4VDkzZll4UE56ejA4M21XNVhLSkFqZjhQNGRMODljTGZlRFlxdmJxZ1hsYUFZQk9ZOTVwSktnWTE2cEotcVE?oc=5) · Harris Funeral Home | Johnstown, PA
- 2020-10-01 [Fauquier Bankshares board OKs sale to Va. National - FauquierNow](https://news.google.com/rss/articles/CBMijwFBVV95cUxQY2x2QVhfb3JwYzBMUW4tQVlsTWZ2T01XRW5COTZPOFRJcV9qSDk1T3Bhb0ItZ1dpazBnb3ZMOVpvb1NueVRkNlBQLWFUSTRfcl9aMjZneUJLNXhHU18xWEZQdENKVUpCX2pNRjM1V1ZRT0FUN2hzWWNJSlJOUVA2Zk5GR3A2N0ZpUkVRQjlUVQ?oc=5) · FauquierNow
- 2021-03-26 [The Fauquier Bank merger into Virginia National OK'd - FauquierNow](https://news.google.com/rss/articles/CBMijwFBVV95cUxQQ3lQT3lNS3hBR3EtajNIUXN4VElaekNSeW9MOHhISHpmcGJPeXNTR3Zyd0ZzNDByUVRNa3VndFRFOFd6NGtoZWRBVFlTczRRVGJPY2ZrTm9xbnFkb2luZTdidERoVnd2SzhXbnBWTjFnVWJ2cjl5a0RPTHByVTI5NkFJTXM4aDR6bFlIVzJfQQ?oc=5) · FauquierNow
- 2022-05-03 [TFB Wealth Management Welcomes Patrick Heijmen as Director of Wealth Management Services - FauquierNow](https://news.google.com/rss/articles/CBMijAJBVV95cUxNSEU1RkpDN1dEVHdMdEV0M1VoY0tiTnVUVEZkbkFGb1RaSzlYc184c0wzZG5WMXJJUGpvaHppdlBfMUhmcVBjdUYzNlp1aFN6c2dJSXd5SlFYQzFRSmM4bEFvWXlCUUZvVFVnUHp0NWZXUDR5ekNORDBHV2hpRjdPM2RZSlNYVUVaY0tnbHBRbHZPOHVBd0tybGhENExEbWdwc0xYRUhjNDN6cV9ycGVxXzFsT1p0UzhBZUpqWm5BdlRjS1NaRERra1ptTHctZWlPY1Z1NUxoclNGcmFweElrMXpWYmZ6dDV6RC1YbUlCNVB2dzZHT0VKOWZMY0NaLTRuN1VsMFJXN0pGZGFF?oc=5) · FauquierNow

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6923 (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/11.json (key "6923", 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