# HOMETOWN BANK
FOND DU LAC, WI · FDIC certificate 12781 · asset band $300M-1B · latest filing 2022-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $654.0M | |
| Deposits | $564.3M | |
| Loans and leases | $417.5M | |
| Total equity | $80.7M | |
| Loans / deposits | 72.62% (p45 of band) | 75.42% |
| Liquid assets / assets | 31.48% (p54 of band) | |
| Uninsured deposits / deposits | 29.66% (p57 of band) | 27.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.76% (p31 of band) | |
| FHLB advances / assets | 0.76% | |
| Tier 1 leverage | 12.23% (p82 of band) | 10.04% |
| Unrealized securities loss / equity | -7.94% (p79 of band) | -24.06% |
| AOCI / equity | -5.47% (p77 of band) | |
| ROA (annualized) | 1.53% (p82 of band) | 1.09% |
| Net interest margin | 3.65% (p65 of band) | 3.42% |
| Efficiency ratio | 49.46% (p13 of band) | |
| Noncurrent loans | 0.70% (p80 of band) | 0.22% |
| Net charge-offs (annualized) | 0.03% (p75 of band) | |
| Reserve coverage of noncurrent | 263.23% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 20.76% (p23 of band) | |
| Auto loans | $393,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.0M (3% of equity) (p92 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 85 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 5 | liquid assets <10% |  |
| 2011-09 | 6 | capital falling |  |
| 2011-12 | 4 |  | reserve under noncurrent, capital falling |
| 2012-03 | 4 |  |  |
| 2012-06 | 2 |  | brokered >10%, wholesale funding >15% |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2013-03 | 3 | loans exceed deposits, noncurrent p90, reserve under noncurrent | capital falling |
| 2013-06 | 3 | charge-offs p90 | loans exceed deposits |
| 2013-09 | 1 |  | noncurrent p90, charge-offs p90 |
| 2013-12 | 2 | charge-offs p90 |  |
| 2014-03 | 2 | loans exceed deposits | charge-offs p90 |
| 2014-06 | 5 | liquid assets <10%, deposits shrinking, assets shrinking |  |
| 2014-09 | 1 |  | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking |
| 2014-12 | 1 | capital falling | reserve under noncurrent |
| 2015-03 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2015-06 | 1 |  | liquid assets <10% |
| 2015-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 5 | liquid assets <10% |  |
| 2016-03 | 1 | capital falling | loans exceed deposits, deposits shrinking, assets shrinking, uninsured deposits leaving, liquid assets <10% |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2017-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2018-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2019-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |

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

- 2026-09-02 [Tri City National Bank Launches Alkami's Digital Sales & Service Platform to Extend Hometown Banking in the Digital Channel - PR Newswire](https://news.google.com/rss/articles/CBMiiAJBVV95cUxNNk5DUG40ejlvU3NReHNibjQ1RGpoc3ZjcGRPMGdWVThvLTlvSU1fV3ZKMDdKbDhDaEE1c2o5X21ad3I3UzZidzFyeXd0NGRUZzh1N1ZlTHJaaGtkTUw4SGloVnBOTzBxQUc0Rm12MnBubC1XUl9oVkhESVF0OGJMY3ZFOHotdE9oaHlLZWtWMDN1MGozRGotN1Z1Znd4VWUxZmFqWnM0TzNHbW4yM1ZDQ29UellqSVMwb2NEQXV0ZmxtRzNhS2R2QkVCWWhuMENYYW1DODQyTTh3bjIyclNNeVNJMnJmOC1zOU5EOXJJS0xwMGpSUDVZME4tZWlfMGl5Z1hFeEwyV3Q?oc=5) · PR Newswire
- 2026-09-02 [A Wisconsin bank with 60 years of hometown service goes digital with Alkami - stocktitan.net](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQNG94eVVfa2NxamNzNmlodmplRzdHaDhMS09XODhqdGN6Y1UzRmVSd0Q3RXBfVTI1c2RpVFJsVnFFVHJBSWNRVDVhdFJTWkV5X0dwdVIzWVlYMzU1Tnh5RzYwYVJBdkY3UnpWcUs2T3VEWFNtVEw3TjA4TzUxOGVVM2pwb3puYzQwbnQycW54QVlmdlBMVXdNSjdjR0hKZlJ3eml1Q1B1bDJyTTRUR3FvRWpXdXRwcHlI?oc=5) · stocktitan.net
- 2026-04-23 [Bank CMG Welcomes Jake Stilling as Vice President of Business Banking in Southeast Wisconsin - newswire.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNZVhLc2pCLUVESTFVRFhnTm1kbGFoUThlaXZiWmFub244TEQyc3pUNzdpVWx0TEstOXduczFYalNZbkNfelZFQS1RaW1BYWVhUTgwdDJWSUlqVHQ2endoc242dkM5ZENib2llelNfajAxTDBmVF9RVGc4ZGRyRlFxTkJEVWZvRnBQdTg3S05BSzNpSXdYb0JOenIwQWw3TnJ1VVpJcQ?oc=5) · newswire.com
- 2026-05-19 [Two Rivers' Washington House Museum opens May 23 and more news briefs - Herald Times Reporter](https://news.google.com/rss/articles/CBMizwFBVV95cUxOZ3B2UFgxeFJoRGctS0VfdXAySldtTkhNOTZGSjlUNWxtcWFtZkd1TmdpRXRkWnlSLU45RGlaWGZrX2dPTWNzanRDTUZkTXpXaHFtTkNwc1AzTVV0OXRjeXJLc3lIa2pvWGhSOG55LXU5eUN1MkRXeVE2c195cENJSElqVFRidlZsUlZVQUlyM1VHemFnZWNKc081dUU5eV9KRUdYVU9qeG0yNVhrZnZyZUFFVjBKMkNFRl9sTkpKSlpvVWQ4bVNNbEhROXNmczA?oc=5) · Herald Times Reporter
- 2015-12-21 [Hometown Bank, Farmers Exchange to merge - fdlreporter.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPdFVfb1NCTERBMEtBSGlQM3RSbGZFTERBX2NqMmV3UjBXUVRKUWtEWlJSTmRhdU5UX3k1UUl1cGxwNW9xU25ZT3RtM2pJbkNrdV9URnBSREZ1UWIxcWtwVlRxV1lfSHNVOHlyR1lJMnNYeUxzQTJEdlRnTE0wc3M1bHRQTTBZLXpfOTlnSHVuc2J5YW5JUmgzOXQxb0ZOdw?oc=5) · fdlreporter.com
- 2016-03-28 [Milwaukee Center purchase by Associate Bank shows hometown commitment - Milwaukee Independent](https://news.google.com/rss/articles/CBMijwFBVV95cUxQb2twbDZvTEtmdy1zY2dHVFFtRUFQd2tfSl8yb2RlLXFtVkVDck1vckZpZEFxV3BQdlJUcE1lcTduWXV4VDFRNElhVThBZVNVbWJWdXBkRGdNYlpWMDFQTVpmYm9FbWpQWWxXYmpGanZQemJYZURKVWpKbDF3b0h4UHhmUGIya3RxMzBRVGlfYw?oc=5) · Milwaukee Independent
- 2024-03-28 [Lawsuit alleging Shakopee schools, HomeTown Bank colluded to fire employee dismissed - Pioneer Press](https://news.google.com/rss/articles/CBMivwFBVV95cUxNcFI3XzhBTmcyOG9zd3FGcFJZTFJFUTAzU1R3cnkzb1JOOVR2NmxRNVZPSEI5RUN1alJDdWVFclZDMXBURHhlTktuVEpMaW9ncFk4clUtVGlONDZYUzZMM1hqbVVqNHF6TldvUVluSEpDSGtyQmk1SWUwS1o3WWhwZkRPMzNFb0VlLUpvZDltU1hzNDFJblhpczRucEgwRjN3eDlEaXdocGltWktMUEJjb0dYYWx3SWlKVFFEdlV2RQ?oc=5) · Pioneer Press
- 2022-07-26 [Bank First, of Manitowoc, has announced plans to acquire Fond du Lac-based Hometown Bank - Herald Times Reporter](https://news.google.com/rss/articles/CBMitAFBVV95cUxPdEdCRXNVZDFpcXhqeGZ6S2tLT0JZc0NPZHhSSjVsV0w3amM4RGRGRjNOWm12ZkRvbTFwQnVjTXNkdjdiZGVnUEllVXE4M080dWhNT1Z6a3o2cEZwR3EwaU1GN2U5RlJYNXRrUlBublh2S2h2SDFlQ1lLLS1odzNoY0dvXzlKa3liYktjMFh5WFZpRURZbkRjeWlkQzFjd3FKdld0dzFJSVR1ZmljeGw4b1NRYXI?oc=5) · Herald Times Reporter

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12781 (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/45.json (key "12781", 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