# BANK OF RIO VISTA
RIO VISTA, CA · FDIC certificate 8472 · asset band <$300M · latest filing 2018-09 · 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 | $215.5M | |
| Deposits | $188.2M | |
| Loans and leases | $80.7M | |
| Total equity | $26.2M | |
| Loans / deposits | 42.01% (p9 of band) | 78.40% |
| Liquid assets / assets | 58.32% (p90 of band) | |
| Uninsured deposits / deposits | 22.43% (p76 of band) | 15.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.52% (p74 of band) | 11.34% |
| Unrealized securities loss / equity | -14.14% (p7 of band) | -3.15% |
| AOCI / equity | -7.31% (p10 of band) | |
| ROA (annualized) | 0.60% (p22 of band) | 1.02% |
| Net interest margin | 3.27% (p21 of band) | 3.82% |
| Efficiency ratio | 76.75% (p70 of band) | |
| Noncurrent loans | 2.52% (p88 of band) | 0.57% |
| Net charge-offs (annualized) | -0.10% (p4 of band) | |
| Reserve coverage of noncurrent | 78.77% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 3.54% (p24 of band) | |
| Auto loans | $12.7M (15.76% of loans; DQ 0.40%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 32 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 2 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 4 | expense ratio p90, NIM <2.5% |  |
| 2013-09 | 3 |  | NIM <2.5% |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 | capital falling | noncurrent p90, expense ratio p90 |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 2 | capital falling | noncurrent p90 |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 0 |  | uninsured deposits leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | assets shrinking |  |
| 2018-09 | 1 | reserve under noncurrent | assets shrinking |

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

- 2018-03-27 [Farmers & Merchants in Calif. to buy like-minded ag lender - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTkxOZDMtVVhQWEhtVEJEbjY5UmwwUVRKWEJrNUc5SnNYWkc4eHVVTXktdXc0aS1tRllxaC1kYnRJZjVHaFgzdzhMRGYtcXF1dTV6LWptSFh0UkotN0c0RnNUdFRhcllFTzN1LWs1ZjNpcW9kNV9lQzlPLU96MXFRZllvam5LVWhMcm16U1VZUVdXVnFNSXc?oc=5) · American Banker
- 2018-04-23 ['Hefty Heister' bank robbery suspect admits to Elk Grove, Walnut Grove robberies - Sacramento Bee](https://news.google.com/rss/articles/CBMibkFVX3lxTFBNMWdfck5vR0VOLUJQVVEwckczT0hNclQ1SS1QSjc3Y3RWekI4OWVTaV9Ebl9hWFF2dWtoTXByT0J5eHlmRUhxSzUwRjE0ZzU3UEoxaU1QM1JjV0FUU3Fqb0hpQkxkalNiMkcwMnhR0gFuQVVfeXFMTno2QkF1cEZlY3dJMzdhWms3SkNpaTZya05mYkR5ZzhRVDlYbXZoeVpsbkVkOXVnVmRUSl9ZQXlCTUNlcFg2YU9TRTcxSUhyaTdMVWZrM3NqMUJiMTl5MjVhVVZfYjRYWFd2SGZTamc?oc=5) · Sacramento Bee
- 2018-04-23 [‘Hefty Heister’ suspect pleads guilty to a string of Northern California bank robberies - The Press Democrat](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNWmJxemxMTzE2NnFPMjdHLWtGRmRuZVNiR0NzV2RBamlqUkF6VmN5LUV0UjFTYnB2ZWVENzZjNmVzNF9NNkxnazMzNVltS3FXZGNNZ2ZmUmVUam5mb21lU1Y4MDZCaFQtVXZSQVREMm0xbXpDNU1tbGdtT2NEUVp3MGNjdVBfU2FiQkh1MGVucVF3RTlxb1FSaU9ZaGRaSWpEYmVpb3FSazZhcktrVHdfekpKYWFTeDBy?oc=5) · The Press Democrat
- 2017-12-08 [FBI Releases More Details On ‘Khaki Bandit’ Bank Robber - myMotherLode.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQb2huZlRyRVZ6MnV5eENxT2lBTmZFb2ZRSUJrcjI3aU4tUE53Qy1jOVhIV3ZTLVExUVZ4S1V5SHJNelBUTF9zWmp0SXBqUWpzMUVkTWNLX2pXOFpjdVNfRGRXSWJuLWFqcmZWeVJSVVhiSGJwQ01vRDhVemVTMEJPUExhRGotNUw3NzM0MWc1SE9DOWtBekZkRlhzdWxXcVBZaUxz0gGoAUFVX3lxTE1pVFg2dFZqdjBGWE02WFN4bndSdVJaWkpqZEJwUG9yX18zUUtQQ0d3RVY5SG04Q3QzT05DdVJ2NXYwdnptRHZBNk9HdHpPb0JkclVMRnhWaHJhSVlOeHRXS3htTkw0OWlGRDJkZW1UU1ZuSWRjSHQ0eHlnN1dPSUc0YXd0ZVZVM1FNSDdEYXNycjgteHp6aEpUdEhOZ2k3dU9qaWRvWGhHYw?oc=5) · myMotherLode.com
- 2016-01-22 [FBI seeks Northern California serial bank robber - SFGATE](https://news.google.com/rss/articles/CBMingFBVV95cUxOUW1OSV9obFBqY09Welc1N2wtc2lhcVczZjVOM2VNRmx6MzFkOGRodTliamZ1TUxtT0ZWdmFNakZTU3Y2Q25qRmNROHdyRWVmXzEyejBvM0lxWmtrS2wxd1VQeHgxLWw0Zlg0M0ZxaGN5cHZfTjVoZzQxYXdDZkstbE1YeG54d2MtUmgtYXd1RXRHMUJ6TFRWd1RES0RPUQ?oc=5) · SFGATE
- 2021-10-12 [Cliff Tapella Obituary (2002) - Sacramento, CA - The Sacramento Bee - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxObDhmUUs3UnpZN1NJdndRdTZPc2I1aUVnVkRoVFFCNEluSkQza1RqSm5PMm5ia3E5Y013X0hqT2x6RnJPN2pKb3ItWjhSM3UzNFV3X0YyN19rT0F3VmlVaDZpakJvWjlnS19RaDBrMGdFdDExdTNzRU5RUnpkQ0FpV0Zva1hzX3RLcHFr?oc=5) · legacy.com
- 2006-04-25 [Page Baldwin Obituary (2006) - San Francisco, CA - San Francisco Chronicle - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOc1VhQXc3cHJzU0dMMDMzdVZsWGtHdlRMb3lrMWJiSEtjMnNEME9wMEdnTjd2Nm10Z1Atcm1jc29SX1FENkw2WUFZcHA0UEZRNTN4TGk5RGVYRWJ6WUhvZHFpY0RPY2txdndEVk9NazJBTkd2Q2w3OTFYNU11bDJjQU4xMVJLd0sxdXc?oc=5) · legacy.com
- 2006-03-19 [Helen McCormack Obituary (2006) - San Francisco, CA - San Francisco Chronicle - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPQndVUFVXcXo3YnZfOGMwRlFXUTV1d1hsT285MDNiTUUwSkVZUklqU0xIdFRDaGNzQ2tRRjlhSXREaFNTQjR5X0pXNDhmQjZMOV83T2xHRHZkbDFFaGJDNmNIME1ySVFFcDgzSktLRUlFbTYzR0VHZEZPRmIzY3JRZjNvd2o4VFgwNGQxN2tn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8472 (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/24.json (key "8472", 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