# HAMILTON BANK
HAMILTON, MO · FDIC certificate 15606 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $119.8M | |
| Deposits | $112.9M | |
| Loans and leases | $51.6M | |
| Total equity | $6.6M | |
| Loans / deposits | 45.48% (p16 of band) | 73.59% |
| Liquid assets / assets | 55.76% (p84 of band) | |
| Uninsured deposits / deposits | 18.82% (p46 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.29% (p14 of band) | 11.76% |
| Unrealized securities loss / equity | -75.65% (p2 of band) | -6.57% |
| AOCI / equity | -3.62% (p4 of band) | |
| ROA (annualized) | 1.54% (p70 of band) | 1.17% |
| Net interest margin | 3.66% (p35 of band) | 3.93% |
| Efficiency ratio | 58.10% (p30 of band) | |
| Noncurrent loans | 0.47% (p55 of band) | 0.36% |
| Net charge-offs (annualized) | -0.03% (p6 of band) | |
| Reserve coverage of noncurrent | 116.73% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 44.38% (p76 of band) | |
| Auto loans | $873,000 (1.69% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | capital falling, noncurrent p90 |  |
| 2014-06 | 2 |  | noncurrent p90 |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 2 | noncurrent p90 |  |
| 2015-12 | 1 |  | noncurrent p90 |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | noncurrent p90 |  |
| 2018-06 | 1 |  | noncurrent p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | reserve under noncurrent |  |
| 2021-09 | 0 |  | capital falling, reserve under noncurrent |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, reserve under noncurrent |  |
| 2022-06 | 3 | construction >100% equity | reserve under noncurrent |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, uninsured deposits leaving | construction >100% equity |
| 2023-09 | 5 | AOCI drag >20% of equity, construction >100% equity |  |
| 2023-12 | 3 | reserve under noncurrent | deposits shrinking, AOCI drag >20% of equity, construction >100% equity |
| 2024-03 | 3 | AOCI drag >20% of equity | uninsured deposits leaving |
| 2024-06 | 2 |  | AOCI drag >20% of equity |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | AOCI drag >20% of equity |  |
| 2025-03 | 2 | capital falling | reserve under noncurrent, AOCI drag >20% of equity |
| 2025-06 | 3 | reserve under noncurrent |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | capital falling |
| 2026-03 | 1 |  | reserve under noncurrent |
| 2026-06 | 2 | capital falling |  |

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

- 2024-12-12 [Bronze statue planned for J.C. Penney at Penney Park in Hamilton - KTTN](https://news.google.com/rss/articles/CBMijgFBVV95cUxPRkpVRTZpWU9KaE5HT1JrbnZXVDFHbmE5R3dmMWlBUGVwSFVEZDJGMmNQTUxhdzF0SkdiZ0s0OWwwWTQ2VVkzYnVybXFUZmt4M0pad09uZldodmdXMS1jRGNMZDE1MzZOS1g5YWxQUFRSTEwycm1HSy13NlQwbFpjcmstb0VBYVJLZTV5OTNB?oc=5) · KTTN
- 2015-04-15 [Susan Elizabeth Mekeel Volker Obituary Apr 15, 2015 - Charles F. Snyder Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMickFVX3lxTE1KNy0xaXAxUXc5U0VoRFFJb0ZvWnktNG9uYUNCZjNPZGtQVXdVZnp0TjVaZ3JUWmRZLVhqSzc0UnF1M3h3X25ENmEtcE5udTMtWUkzRmJ1MUUwbTRFQUJJVzcyU0MtQXI1ZEJVMl8tdjFnQQ?oc=5) · Charles F. Snyder Funeral Homes &amp; Crematory
- 2019-04-12 [Jerry Yedinak Obituary Apr 12, 2019 - Kuhn Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTFBRaUd6MUhYVzQwQnp5YnRCMWthV2UzYWtLWGtDVFB0UmJGSDZLQnE0YUhVbjBhUHc1TnJRcHZHb1prSHVDRW9Yd0ctVzNFdXhSZnQ0VVpIazk5MkllaS1CS1VkTmJCT0Z0Q3BwNDBSUQ?oc=5) · Kuhn Funeral Homes
- 2019-07-16 [Orrstown hires Holt as Maryland market president - Maryland Daily Record](https://news.google.com/rss/articles/CBMikAFBVV95cUxOZDhiTmFpMGg2dG15V3N6ZG9VSGNIZ3NPTVhoVXJBcXc2TzlpeFlBbVJBUXFkVi1BeWhkV0hWSWs5cVQ1OXIwU3dyYzlPQ1pzbXFSR1k3YWRHZ1o2X2tVRVdqbTU3MTJZYnpqQjJXbEJab2l2ZF9BU25tSWhvRHRYZl9jWDNhSncxWm5URXNOVlY?oc=5) · Maryland Daily Record
- 2018-03-24 [2 SAVINGS BANKS IN BROOKLYN UNITE; Lincoln and Fort Hamilton Institutions Are Merged Under Former's Name. WILL RETAIN EMPLOYES 160,000 Depositors, $123,000,000 Assets and Four Branches Reported as Result. (Published 1932) - The New York Times](https://news.google.com/rss/articles/CBMirAFBVV95cUxNanhrVHpNWmRXaHdTeGhuSDJPdWdPMVFhRk5URV9sQjVfTDk1NGlrMllQVlI3Y1loLUhxQnBFSE5LQ0RvRmEzWm50S1Q5QVp4Mk1HdkNJRUJ1ZklTRGdxdWJRUU1BV0hUX0sxdTNTWC1rQUpZeWxEdzV4azcwS1Z2UkhBUGt1dk5oREk5Y1prMnVSUGM3NVpIZE1RcG1iNzg2c21ZNDJEdkJFNEZn?oc=5) · The New York Times
- 2019-01-02 [Rustic to elegant, The Pearl wedding barn is ready - gallatinnorthmissourian.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOdFFIQkF4WVhSbDVOa1J5LW9DMVZEc0plWXU4UWtOOW42ZFIteFRENG90ZnJPcFlzSmxUZVJYaTBkRm03MUM1ZWdublJXTHR0UjRtbVJtYWdHQ1REYkhKYk94TXUwU2tSdXM5S0tBdWQwN18yT3RlYUhGUnBIVFFTbGVURENpcUtlWHZkcW5nMGVZTFhxYnI4TGlFM0l3dw?oc=5) · gallatinnorthmissourian.com
- 2005-11-08 [David Weinmann Obituary (2005) - Hamilton, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQcmV0UkdMa3hRcUs3STQ4RkowN0lfTXQwRXkwa294eGZPU2ZJOHozeVNkSGlfdkJaMThtVGxjLVNXQzhxc0owRkhLX195ZUR2M29uYS02Z2dJQkZOTllyb2RQZE5NajQxVTU1NTBIU1hpcUc5YWY3cnFRaTg2eExITmpodDVoZGdVU2U4WXFEc3k?oc=5) · legacy.com
- 2026-05-21 [Guns, drugs seized from east Mountain home - The Spec](https://news.google.com/rss/articles/CBMiugFBVV95cUxPc1RFcEI3WlJaQUxPUDlqNmh6Z3JJMWxLSnZET0Ntalo1Zjh6eFF5ZlhrMW9QdDc3aVdOVUlEUG00WGhSODN5MWJiRHJzV25xNEdlSlI0R3R5UHRSTzdGdVdLTl85QmlpWWxoRk9WVzZ3d3hZc05ueFIxQW5QV011TklXeDZoNm5IOUdpRXpUNDRTSmNKMGZVTUJTNDVfbzlEM0FlNXFTMWpnektuUG1RRTBwcXlpYTlqRnc?oc=5) · The Spec

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15606 (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/54.json (key "15606", 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