# TRADERS BANK
RAVENSWOOD, WV · FDIC certificate 848 · asset band <$300M · latest filing 2011-03 · 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 | $158.6M | |
| Deposits | $133.4M | |
| Loans and leases | $96.9M | |
| Total equity | $24.8M | |
| Loans / deposits | 70.91% (p50 of band) | 70.88% |
| Liquid assets / assets | 29.78% (p42 of band) | |
| Uninsured deposits / deposits | 1.75% (p11 of band) | 7.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.65% (p63 of band) | 9.71% |
| Unrealized securities loss / equity | -0.73% (p20 of band) | 0.79% |
| AOCI / equity | 0.22% (p63 of band) | |
| ROA (annualized) | 0.36% (p32 of band) | 0.66% |
| Net interest margin | 4.30% (p78 of band) | 3.79% |
| Efficiency ratio | 77.73% (p58 of band) | |
| Noncurrent loans | 3.77% (p77 of band) | 1.53% |
| Net charge-offs (annualized) | -0.01% (p19 of band) | |
| Reserve coverage of noncurrent | 63.23% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 17.98% (p48 of band) | |
| Auto loans | $3.5M (3.56% of loans; DQ 2.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 49 | |

## 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 |  |

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

- 2019-11-21 [M&T Bank - Maryland Daily Record](https://news.google.com/rss/articles/CBMiWkFVX3lxTE83Q3NNU3NIVnlVY2R0elNOdWt4UVR4aVNpWXJSMFBUVkJNbC16dUN4X21RdDktWDhhb3AwTm5IZlVadFJ6am1udUs1TE5fR2w0SXRVQTcyT3Y1UQ?oc=5) · Maryland Daily Record
- 2011-03-25 [Adams National Bank will become Premier Bank in April - The Washington Post](https://news.google.com/rss/articles/CBMihAFBVV95cUxQcm9KSkZEQlNkdWRYeXdwRnNnN2V1TUpaMGllLTR4MncwOXVhSHphUGNzSS1jWDZwLTAwWmtnRFo3Z3hMc2x3WlpoMGZtV2ZMTkppTURBV1k3d29USGdnRk9aeEd3VjJyMXkwNHFza0VIUUZXaVRYWFJiejZ0WDdPU1l3cXo?oc=5) · The Washington Post
- 2026-05-13 [Frederick Crow "Fred" Hardman - Legacy obituary](https://news.google.com/rss/articles/CBMisAFBVV95cUxNWHZfRXNvV2hjSHRNclk1YkFRbVA5R3lTeV9NVm44by1UWEszdjJ2c2EyeUdEZjhsSEVyeU82S0hiSFdpU0ItUXZ2c2dkaUNpR2daazdoc3VnVUR3amxVYjlPVjFBMTBjQ0JPOEZlU1RzRUM2N2NuUHJ5LXYyQ0FJa05oTWlaZk5IQk5SU2h5bFBaNHZCV3BiS2xwMXVvN1EzVm9DdkNvZGw4TWJqNDYwcg?oc=5) · Legacy obituary
- 2010-09-02 [Bank’s heritage consolidated into the history books - Richmond BizSense](https://news.google.com/rss/articles/CBMilgFBVV95cUxNcG90QV9iS3l3MnBuV0tIUklHUWNfdl9XeDlyV29FV2I5ZnNKSy1KQlA2c2s0dUpXcHBPZFUzTU8yMUFuVnJvV2lDUDhxb3gzVzBsVDZWRVM5cnhETGFFYXV6cU82QzVlQkVqNVBOMF9LZHR3RlY5T3pfcEhkYjREZkk3eExWTzF3U3dfSTNYU0hSUnZ1UkE?oc=5) · Richmond BizSense
- 2023-12-05 [Helen Dorrine Myers Obituary (2023) - Ripley, WV - Waybright Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE1hNUt5RXl0bzQ4TGxlR0FRbG1MYlBkRWdZZS1rTm00d3ZSelRxM0hORTZURFhoS1pNSndNZWY0UFNaVloySW9IVkFGNnlKSzVrYWFKVDNscXI5SnFYTUtrbklDWlc4N0p0bmppM3VhMGZDV2V6Z1NodHBmRFZMbWc?oc=5) · Legacy obituary
- 2012-08-31 [Flash from the Past: Hotel and bank shared same name and building - Guelph Mercury](https://news.google.com/rss/articles/CBMi4wFBVV95cUxQNk5Pb2dmSE1RamY2dmhFMXJCUnZpRkU5OXhIWHV0b1M4cjJGTjFROGNxTGJjUUVocmRKSE02a0l6ZzJ4Z25DdDN6dng1SFhCQ3BoN1gyRmxOVWdhd2tIUTYzN2xSQ1BmQk5mZjJ6QmpmbHFWYlNOUjBWckpIaTVUOXo5ZzRNWGJMcXZfcEhyMmJmZXVtWHl0VlBwZTBEVWYtMWNmYVNmem0teXhPZi1JSDg1WDJWMUhUN2tqNWs1VTlzVTN3aWZ6VVl2SWM5Y0t0akIxb0dPb0RuOWtsRW5YcHpaYw?oc=5) · Guelph Mercury
- 2026-07-22 [Sharon Fields Obituary (2026) - Spencer, WV - Charleston Gazette-Mail - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxQZFVaMUpEUG42a1pna09YOHp1bXVUUndETTVUeVRYTDdlV252SFhBeGFlcXZPT0JGMU5zUFVvZjVLRV9XbEpWMjBmSXVjNC1mcENFVVFzaUFLdTh0VndSbmVBenZ5VV9RWVBEcFctNTJIc2lHd2h0eFI4RHp4RlNENnBZVTI5c3dOeTMtZjRZdGVIeHVK?oc=5) · Legacy obituary
- 2024-01-30 [Chester Dodd Obituary (1928 - 2024) - Spencer, WV - Charleston Gazette-Mail - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxQUFI2NWdTXzVnN0ZXdlhwb09YQmpWbXowX3BuSFV0YVJzeFFXRXJpdkNsaUFteVlJUmpDZlpEam45cjlvQlJqdm1wUVd6bGlpMG1KVy1ESHFHRGRoRko2aWFTeFItRlpXSzNXYjAtenpFRlBqd25RMEJDUzk0cXY2dTl6UkhpNVlxRnZTV1VkRmhlVzg?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=848 (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/16.json (key "848", 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