# MOVEMENT BANK
DANVILLE, VA · FDIC certificate 9502 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $165.5M | |
| Deposits | $145.6M | |
| Loans and leases | $109.5M | |
| Total equity | $18.4M | |
| Loans / deposits | 74.59% (p52 of band) | 73.59% |
| Liquid assets / assets | 29.66% (p43 of band) | |
| Uninsured deposits / deposits | 35.11% (p89 of band) | 19.81% |
| Brokered deposits | 19.17% | |
| Wholesale funding | 19.17% (p94 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.12% (p41 of band) | 11.76% |
| Unrealized securities loss / equity | -11.99% (p36 of band) | -6.57% |
| AOCI / equity | -0.53% (p43 of band) | |
| ROA (annualized) | 0.96% (p38 of band) | 1.17% |
| Net interest margin | 3.67% (p36 of band) | 3.93% |
| Efficiency ratio | 82.95% (p83 of band) | |
| Noncurrent loans | 0.07% (p32 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 1226.03% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 62.11% (p85 of band) | |
| Auto loans | $66,000 (0.06% of loans; DQ 18.18%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.7% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, leverage <5% |  |
| 2011-06 | 4 | reserve under noncurrent |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 |  | reserve under noncurrent |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | reserve under noncurrent |  |
| 2013-03 | 6 | expense ratio p90, uninsured deposits leaving |  |
| 2013-06 | 6 | AOCI drag >20% of equity | uninsured deposits leaving |
| 2013-09 | 6 |  |  |
| 2013-12 | 8 | capital falling, losing money |  |
| 2014-03 | 6 | charge-offs p90 | expense ratio p90, AOCI drag >20% of equity, losing money |
| 2014-06 | 5 | expense ratio p90 | capital falling, charge-offs p90 |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 | charge-offs p90 | expense ratio p90 |
| 2015-03 | 7 | losing money, expense ratio p90, uninsured deposits leaving | charge-offs p90 |
| 2015-06 | 8 | noncurrent p90, charge-offs p90 | uninsured deposits leaving |
| 2015-09 | 10 | capital falling, uninsured deposits leaving |  |
| 2015-12 | 10 |  |  |
| 2016-03 | 10 | deposits shrinking, assets shrinking | charge-offs p90, capital falling |
| 2016-06 | 10 |  |  |
| 2016-09 | 9 | capital falling | noncurrent p90, uninsured deposits leaving |
| 2016-12 | 10 | noncurrent p90 |  |
| 2017-03 | 11 | charge-offs p90 |  |
| 2017-06 | 4 |  | leverage <7%, leverage <5%, reserve under noncurrent, deposits shrinking, assets shrinking, capital falling |
| 2017-09 | 6 | reserve under noncurrent, deposits shrinking |  |
| 2017-12 | 5 |  | reserve under noncurrent |
| 2018-03 | 4 |  | deposits shrinking |
| 2018-06 | 5 | capital falling |  |
| 2018-09 | 3 | uninsured deposits >50% | noncurrent p90, charge-offs p90, capital falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2019-09 | 4 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 | capital falling | charge-offs p90 |
| 2020-06 | 4 | reserve under noncurrent | losing money |
| 2020-09 | 2 |  | capital falling, reserve under noncurrent |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | expense ratio p90 |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | losing money, expense ratio p90 |  |
| 2022-06 | 3 |  | losing money |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 3 | losing money |  |
| 2023-06 | 5 | capital falling, charge-offs p90 |  |
| 2023-09 | 4 |  | capital falling |
| 2023-12 | 4 | run vulnerability | charge-offs p90 |
| 2024-03 | 4 | capital falling | run vulnerability |
| 2024-06 | 5 | run vulnerability |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 6 | brokered >10%, wholesale funding >15%, uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2025-03 | 7 | construction >100% equity |  |
| 2025-06 | 6 |  | capital falling |
| 2025-09 | 5 | deposits shrinking | brokered >10%, construction >100% equity |
| 2025-12 | 6 | loans exceed deposits, reserve under noncurrent | uninsured deposits leaving |
| 2026-03 | 2 | brokered >10% | expense ratio p90, losing money, deposits shrinking, loans exceed deposits, reserve under noncurrent |
| 2026-06 | 2 |  |  |

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

- 2022-04-12 [Movement Bank opens in Randleman - Randolph Hub](https://news.google.com/rss/articles/CBMifkFVX3lxTFBOeHh6VW1FSmV2TjhTUTdyUk9yV3lDaEk2czVpNjV3SGJ2SXdhQkg4Q0I1WDFWMGxZbFRUaWQ0U3o3MU1XQzVhQTVhOTE4Yy1FSVJpaE0xVTh5bS00Nkp5TklqczAtMl9FalFvczFYbFhFcWFPVmtZejQ5R3RvQQ?oc=5) · Randolph Hub
- 2022-01-14 [Movement Bank Expands Regional Footprint and Opens Community Bank in Randleman, North Carolina - PR Newswire](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPcnk5clZTUlpmYzR4bjNJeG5tYXNNcXluOUVTQ3dhYzZxZ244SkkzR0pYZE1UdkJqdm5ZZ3JXT1R6eFBqZHJVWk1BVkgwQzV0dHdtUzdVZXZmVXpKNUpRYm9GTmhxWFN5S0lHZmoxZ05YM0J1c2s1UURReUhGSEt0bFhRZHVPNEtudWEzN3hLV0ZobkNnRFI2UDluWDZEZ1lHV0NmTVNRTnhCVGktVVE2eVN4SkJjbnpiVWlyTVJNa0NQZnI2TVlXMXBZZmMzUGpneThEQkVOUjFnTDIxTlhjVmVFRDc1dFZ0Nmc?oc=5) · PR Newswire
- 2020-02-14 [What's next for Movement Mortgage CEO's bank venture - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPMFpvZnFkeGo4cm14emxUcTlacEVUUUhpUUxleXZTOVpRSVVibjNRYm90aS1MNjBwTFlDT2YtNjNLQkdYbzNaS0pDRnAwTUFxWGZURnAtOFBmTGNmSnNiMDA4N1c2TDh4T3BXTnpveFNQUkVEMHRpdDVQU3k2WmFzWG55Ql9Lb1VVb0l4TzJIczJFRm1fQjdoWG5KRHcyUFNqOWdyQXhnc3JCU193SEE?oc=5) · The Business Journals
- 2017-06-07 [Movement Mortgage Launches Zero Down Mortgage Called MAP - The Truth About Mortgage](https://news.google.com/rss/articles/CBMimwFBVV95cUxPUk42cW9fVkpEVmpkM1VkdUZ2MVBuVTJQOXZCSWxFUFhkQ0lnVUl6RVRGRFpRc3JiR3lFR19wYlNvamUtekFkVDJnaE5Oa24zOWxBcmJEd3NnX1cxd29sRTlDSDY5RDR3RzU3aG12UGI0WUNuWTdUcnE2Q0VnbHFQN0dQMTVCc2FiN0V5b1FPRFhhdHAyZHhPNGN2TQ?oc=5) · The Truth About Mortgage
- 2017-08-24 [Virginia’s last Black-owned bank is gone after nearly 100 years in business. What happened? - The Westside Gazette](https://news.google.com/rss/articles/CBMipgFBVV95cUxQYzFCdVcyWkRxc25nX1FheWQwMHNaa3V3Nkh2NHpKMUdBZDRDWG5MRFJpbHR0SzdHSGRvcGM4Vl93cG12ZlR2QjB3MVhjRFc5Q3dKU1hYRGEzSWd4dlRCaDlKNUJJOXpJbi1lUkxfQXdfRzB1VEU4NENzaHk4SXJHR0ZhWE1aYV82RUlTcldvR0dva0xZcFhMd1Y1REUycGh0cWlQdTJn?oc=5) · The Westside Gazette
- 2023-04-14 [Business, nonprofit roundup: New coworking space coming to Asheville - Mountain Xpress](https://news.google.com/rss/articles/CBMimgFBVV95cUxQOXY0OTl6VzE0WHFZY01tM0VTQW1qR0k1SWF3SmYzWnJrQlVDTElCdjBoMkZmVnJTOUNzdm0tMjA3ekdkV1B1Z2VJME5nOU41S01yaDloNExDOHI2WTQ0TDVYU1FrWHpBdWlobnp5WEFpTmU5c3lfSzlLMlVCS0czM2tIcTNHLWRrVmEwaEdYYmNjRDdHWmcxbmdB?oc=5) · Mountain Xpress
- 2018-12-20 [Movement Bank names David Rupp as next Chief Executive Officer - PR Newswire](https://news.google.com/rss/articles/CBMiugFBVV95cUxNbENmalB0OVp6SV8xQU9ia0hhM0VFV1Y0MjZNeEc5d3YwbU8yXzhZd1hFaFhLY1pjaVdZV3ZEclB4dGhudi1BRkxDMk1KOHo2ZHZZbG1YZjFzNGlXcDZmSmVDTVpvS2hHR2JLUm9ncUQ2Q0VGaTZZQ25OUjZVMWdDLVZQZlp0WmZvOFAyekJkbHFBeEl0aENBRkZmZVhxbmhsYnU5T1IxY082ckh5aF9qS1p0OVR4STZ6WWc?oc=5) · PR Newswire
- 2021-04-20 [Movement Bank launches new branding with emphasis on community impact - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxON2ZNSW5QRnBZV1JfVkwwWUkyM01hNUNibnlHdlBEZ3dSNlJUa1pwcWJOYjUwempoSXBoZEdLQ0tKZVJkVzdXbklmaHlkcW1MUk5FZThpY2FjV2hHSWhsUFBKVmIyUzZuVEtfWWVFOEV0V2JRTXRDanZOQVo3QXRsb21YcjBCUFBxdFRRZ2ZSbnQwYlppZTNiQTBsRHNnUQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9502 (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/30.json (key "9502", 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