# SECURITY HOME BANK
MALMO, NE · FDIC certificate 14639 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $38.0M | |
| Deposits | $24.6M | |
| Loans and leases | $31.5M | |
| Total equity | $5.3M | |
| Loans / deposits | 125.71% (p99 of band) | 77.79% |
| Liquid assets / assets | 15.20% (p13 of band) | |
| Uninsured deposits / deposits | 1.81% (p2 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 20.99% (p96 of band) | |
| FHLB advances / assets | 17.17% | |
| Tier 1 leverage | 13.77% (p73 of band) | 11.56% |
| Unrealized securities loss / equity | 0.66% (p46 of band) | 0.80% |
| AOCI / equity | 0.15% (p17 of band) | |
| ROA (annualized) | 1.09% (p53 of band) | 1.05% |
| Net interest margin | 3.69% (p41 of band) | 3.84% |
| Efficiency ratio | 62.38% (p32 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 65% | |
| Construction % of loans | 2.44% (p23 of band) | |
| Auto loans | $650,000 (2.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | loans exceed deposits |  |
| 2011-09 | 2 | wholesale funding >15% |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2012-06 | 2 | loans exceed deposits, uninsured deposits leaving | capital falling |
| 2012-09 | 4 | wholesale funding >15%, reserve under noncurrent |  |
| 2012-12 | 3 |  | reserve under noncurrent |
| 2013-03 | 1 |  | uninsured deposits leaving, wholesale funding >15% |
| 2013-06 | 2 | wholesale funding >15% |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | uninsured deposits leaving |  |
| 2014-12 | 3 | capital falling | uninsured deposits leaving |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 4 | capital falling, uninsured deposits leaving |  |
| 2016-06 | 4 | assets shrinking | capital falling |
| 2016-09 | 3 |  | assets shrinking |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | uninsured deposits leaving |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | uninsured deposits leaving |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | uninsured deposits leaving |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | assets shrinking |  |

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

- 2017-12-12 [8 bank robbery suspects indicted - 1011now.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRGcxTWZfWDlZMEEzM0xsZWxFZ1RjUV9JVWlUZi0xYjZlVzNOSU41Yk1WN1FEdzFPM1hmNXpNR1g5OHVacmpuWm1TTjRxQkt2YnFUNmFjTUI1amgyVWg5ZFIydVE1WVl5NmZsNVlOcmdfaFVRYjhqVVcwUVc4Q2w2UGJaZ2U1b3JlMjhxONIBoAFBVV95cUxPSUgyTGpHeVJCRlRPV0tDNHB6N0hfekt3QjBZTG0weTUzX0Fqd0ZrcnVqVnljZ3E2NHB1a1ZwV2YyaXRqdkdOOUFoWEg1TDFWSWY3cUxteUpBbmc0bkRnYU1FX3VBclk4S05vVW81RVFKNTFRdno1S1Q5S2hRRElxMWNXbTk0X1ZWX3ZTYXBXbTV2Smp4VjMxVktiWXBxdUl0?oc=5) · 1011now.com
- 2018-12-18 [Bank robber receives sentence - WOWT](https://news.google.com/rss/articles/CBMihAFBVV95cUxPNVVSTzZUaWhQUG9KRUdlLUlaY3lMU2JZdHZnZlNLeUd5cXF3WG13QnlXa1B6RGJ3bGo1bXc5SFc3U2NsRFY3dVVnWFpJYVJ6TkxPcUZpVHI5bk5ockM2QTFMSG80RW8zc1o1QWEzSWxyQmMtd2UzYWl3UjRwemV2elF1SWTSAZgBQVVfeXFMTjBNc0lpY0p6eTNpczVYNnAyMi1aQm5TV1gxWDhPTGRLNHpvaDE0TVlzOHZZVEtlMjFnRjlheGVuLUVfY25yQzJFMlRxM2RvU2dHVW5TYkNxYVVNblZobDBjbWNrdURQZzhMQjdIZ1JUOU1Jd1hHUWZjY3kwbzFfUzgza3kweWdjX3RmdVEzd2dldlA4bWNzU28?oc=5) · WOWT
- 2017-11-23 [Suspects identified in Saunders County bank robbery, police pursuit - KETV](https://news.google.com/rss/articles/CBMipAFBVV95cUxPY0UwS0FKTEUwWF9VWE8wLU1rcmdpaHZsd3VTbFpxOXg2MWNMczRaWmtJb081WHdlZXZTeUZtQk9SMXg0UzlMZ0dTdWNmUUFUNnFJbXJQUWlOTkxubThBMXkyUWRJd1d0X3FzZlhnWGFnWDJ6Rk1SaF82VTRYNnNVUFBmZnY1TVlSZHFaeTNjMS1VVHo3TDMzWGZPb1c1XzIwRHR2ag?oc=5) · KETV
- 2025-12-18 [This week in Toledo history - Dec. 21 - Jan. 3 - presspublications.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxOTm93T1RRMmZnMndoWlRyckpUeVNYLUpmcHA5dTdWWmp0SmEtMmJoeHY2TmNDSHktUmdjYnhpZ3FVVWR6SGFZSXlraGJwaE0wdmtRNU1TQUw1U0NhTXFwdTFfVHhkemFVMzFaV3BXT25ZOHdhaUZPZmNlRXd0Wkl2RUwyZHBCQS1xa25PTXJwUEI0a1BVZXJqc1ZaRjdScWJtSnJsMA?oc=5) · presspublications.com
- 2018-10-12 [Nebraska man sentenced to 194 months for bank robbery - 1011now.com](https://news.google.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?oc=5) · 1011now.com
- 2005-07-21 [Donald Cejka Obituary (2005) - Wahoo, NE - Fremont Tribune - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOdTRlRnRSNHlKMUtsWmQ5a2lEZWVKNVNDb2RfX0xLMHhuTTljR0R6X0xJUURkSWszRzEweGJVUXM0NkZTNUFUWnI2SmxUelYyWWxFRXVLV3JvY3lnTURUU0plTVp1aEpFSlc2Z1RKSXQxZXpKWWphR0ExRmRoWXh5V19pQnlQVEdOc1U0RjNIalVJLXkw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14639 (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/47.json (key "14639", 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