# HOMESTAR BANK&FINL SERVICES
MANTENO, IL · FDIC certificate 16375 · asset band $300M-1B · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $396.8M | |
| Deposits | $344.7M | |
| Loans and leases | $211.9M | |
| Total equity | $36.9M | |
| Loans / deposits | 61.49% (p11 of band) | 85.55% |
| Liquid assets / assets | 39.19% (p85 of band) | |
| Uninsured deposits / deposits | 19.84% (p41 of band) | 22.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.95% (p35 of band) | |
| FHLB advances / assets | 1.95% | |
| Tier 1 leverage | 6.44% (p0 of band) | 10.66% |
| Unrealized securities loss / equity | -5.90% (p2 of band) | 0.93% |
| AOCI / equity | 0.03% (p8 of band) | |
| ROA (annualized) | 0.46% (p8 of band) | 1.13% |
| Net interest margin | 1.32% (p0 of band) | 3.75% |
| Efficiency ratio | 60.13% (p33 of band) | |
| Noncurrent loans | 0.36% (p39 of band) | 0.53% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 1.71% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 39.78% (p51 of band) | |
| Auto loans | $433,000 (0.20% of loans; DQ 0.92%, NCO 0.00%) | |
| Loans to nondepository financials | $2.3M (6% of equity) (p95 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 88 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | leverage <7%, leverage <5%, losing money, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 | expense ratio p90 |  |
| 2011-09 | 8 | noncurrent p90 | expense ratio p90 |
| 2011-12 | 8 |  |  |
| 2012-03 | 12 | capital falling, expense ratio p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 12 |  |  |
| 2012-09 | 9 |  | losing money, capital falling, expense ratio p90 |
| 2012-12 | 8 | losing money | deposits shrinking, assets shrinking |
| 2013-03 | 10 | expense ratio p90, assets shrinking |  |
| 2013-06 | 8 |  | noncurrent p90, assets shrinking |
| 2013-09 | 8 |  |  |
| 2013-12 | 10 | AOCI drag >20% of equity, noncurrent p90 |  |
| 2014-03 | 5 |  | charge-offs p90, losing money, expense ratio p90, AOCI drag >20% of equity, noncurrent p90 |
| 2014-06 | 6 | expense ratio p90 |  |
| 2014-09 | 6 |  |  |
| 2014-12 | 6 | noncurrent p90 | construction >100% equity |
| 2015-03 | 4 | deposits shrinking, uninsured deposits leaving | leverage <5%, expense ratio p90, noncurrent p90 |
| 2015-06 | 4 | expense ratio p90, noncurrent p90 | deposits shrinking, uninsured deposits leaving |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 5 | losing money, charge-offs p90 | noncurrent p90 |
| 2016-06 | 4 |  | losing money |
| 2016-09 | 3 |  | charge-offs p90 |
| 2016-12 | 4 | noncurrent p90 |  |
| 2017-03 | 3 |  | expense ratio p90 |
| 2017-06 | 2 |  | noncurrent p90 |
| 2017-09 | 2 | noncurrent p90 | leverage <7% |
| 2017-12 | 3 | expense ratio p90 |  |
| 2018-03 | 2 |  | expense ratio p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2019-03 | 2 | losing money, charge-offs p90 |  |
| 2019-06 | 0 |  | losing money, charge-offs p90 |
| 2019-09 | 3 | leverage <7%, NIM <2.5%, reserve under noncurrent |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16375 (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/55.json (key "16375", 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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