# HOMEBANK
PALMYRA, MO · FDIC certificate 14492 · asset band $300M-1B · 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 | $733.3M | |
| Deposits | $604.3M | |
| Loans and leases | $625.3M | |
| Total equity | $68.8M | |
| Loans / deposits | 102.45% (p92 of band) | 82.04% |
| Liquid assets / assets | 9.73% (p4 of band) | |
| Uninsured deposits / deposits | 17.06% (p19 of band) | 25.97% |
| Brokered deposits | 0.17% | |
| Wholesale funding | 7.19% (p67 of band) | |
| FHLB advances / assets | 7.02% | |
| Tier 1 leverage | 9.61% (p25 of band) | 10.81% |
| Unrealized securities loss / equity | -2.34% (p77 of band) | -8.10% |
| AOCI / equity | -0.35% (p49 of band) | |
| ROA (annualized) | 2.12% (p89 of band) | 1.28% |
| Net interest margin | 4.73% (p89 of band) | 3.91% |
| Efficiency ratio | 55.35% (p32 of band) | |
| Noncurrent loans | 0.29% (p41 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | 341.52% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 51.63% (p58 of band) | |
| Auto loans | $3.3M (0.52% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.8% | |
| Employees | 129 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 2 | uninsured deposits leaving |  |
| 2015-09 | 1 |  | uninsured deposits leaving |
| 2015-12 | 2 | loans exceed deposits, reserve under noncurrent | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | loans exceed deposits |
| 2017-03 | 3 | loans exceed deposits, capital falling, charge-offs p90 | reserve under noncurrent |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 | capital falling | loans exceed deposits |
| 2018-03 | 2 | loans exceed deposits | charge-offs p90 |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | loans exceed deposits |
| 2020-03 | 2 | loans exceed deposits, capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 0 |  | loans exceed deposits, capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | uninsured deposits leaving |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | uninsured deposits leaving |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | reserve under noncurrent |  |
| 2025-06 | 0 |  | reserve under noncurrent |
| 2025-09 | 1 | loans exceed deposits |  |
| 2025-12 | 0 |  | loans exceed deposits |
| 2026-03 | 1 | loans exceed deposits |  |
| 2026-06 | 2 | liquid assets <10% |  |

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

- 2026-08-01 [HomeBank, Federal Home Loan Bank to award $322,000 to Missouri nonprofits - whig.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQVkdNT3FMRUgyNkxhOWRCdkJOQkhGZVFLR1Bydkd5OXN1d3FvbkNqYkM0NXQyYWtLWHVoVTQxT2k4MnFWQVBZV2VWZnhfRy1zaHhFUi1fbGdON2tEOGlhWnEwRG5iY1JyV2N5My1ZUUdiWkgzQ2RkZmY0a1RWNlZobl9XUmNrdlBxbDUxNGNacFRwRDRvN3VqUk1mLVJhcUVU?oc=5) · whig.com
- 2026-08-07 [HOMEBANK, Federal Home Loan Bank of Des Moines to award $322,000 to Missouri nonprofits - Muddy River News](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQTXNMUHkxVldUc3M5TllXb0MzeXlFZmZMam43dHl6UFpvWTBQNS1YLUIxQnJ2RjJvaEZ0TEk4RzBqeHZEamtTNEs4a1ROakRCT0h6c0E2MkxVeDJOUHZkRkt1RmdtcVctc0dsUGIycTdtbldEWEd1YmpxeUgzaW1wOXE5dDkyTkQ0MjJLSGNHaWtKWVhDZmJUcDlPRmtxWlFVZldObFlIVzlpTmp4UkF5bld6NHhrUG5IQkE3UlZEcUFDbnVXdmg0NXRyV1VISE5CbUZDYjQ2SlVsTlNfeDVYOGFB?oc=5) · Muddy River News
- 2022-03-01 [HomeBank of Arkansas to be acquired by Barksdale Federal Credit Union - Talk Business & Politics](https://news.google.com/rss/articles/CBMipgFBVV95cUxPb0FMNEd3RzV3QlY0RUJNN3hJOWlnUEpiSUhQWjdRbFFjVU1qTzVUcWZFWmlHckJkVV9aaEtHR0lPYnYwSndmNHNna3hZNVlmM2lsYldzakh5bENvV2RQdlRQdzdjWGx3dEZ2V2R6TlpKWXMwaU1heTl2ajFOZjA3ME1sWUdOMTFrTlVEZjNzbTVKZzVRY2VoN2l0RkFtUGF2bVY2OU13?oc=5) · Talk Business &amp; Politics
- 2024-01-12 [HomeBank (MO) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMieEFVX3lxTFBsbWttTUVWeXd3NEp0dW1rZFZ3bFItYnR0c3pYZ21neEFGV0pTTV93UW9QUWdvcEpYdTNJUzlfaDlHVkNaQ3l6QlhNMklHRjQ1d1NsU09Mek1ZMlNaaDBFU21pb0xhdXBndnZZX3hYRjlUb0tuVlhzOQ?oc=5) · SmartAsset
- 2025-01-28 [HomeBank Texas - City Lifestyle](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1ydVVIN2dscE5CTG9VTE9hbTdHTm44bG5Nck55QWgwVHpBMGM3SzhYMGZNTklZbERSRlZBdFRJbzlaZTVqMkVXTlh0aERZakFGYTVxZF9fUlMwUngyT0E?oc=5) · City Lifestyle
- 2014-03-26 [Wilson to become HOMEBANK president - hannibal.net](https://news.google.com/rss/articles/CBMid0FVX3lxTFBUeFNzVUh3Nm1hZ18zeU9HUUQtTkdhNjlJVTkyMXhlYTdHeXZwVHIyS1VzMlpMOWtUZ1psbzViWnFmbnBOREhTTVV5VEFVZDltNmRLUlg1WTRTMTZJVmNWZ3Y3aWlraEFQRTlJSDdaOTJ3dlhvN0l3?oc=5) · hannibal.net
- 2026-08-06 [Grant boosts Baring senior housing rebuilding plans - whig.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPclFsOWN6cXZyTjVBaFQ2Yng5RHBhRUhqand6OTlqMFV1RDU5YUVXd2dwWlY1Q0lQanZGVlFRalBhOEh6M0ZBQ0g3VEZQclhwYVpWVXlzMFJ4N3lOaDJieWV2ZlNvX25mV1lhZ2tlcVZOYW5KelJJNkNJWmdMdVVKYTlraXhVX0U?oc=5) · whig.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14492 (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/28.json (key "14492", 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