# HOMETOWN SAVINGS BANK
TERRE HAUTE, IN · FDIC certificate 17736 · asset band $300M-1B · 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 | $455.7M | |
| Deposits | $406.3M | |
| Loans and leases | $293.9M | |
| Total equity | $28.2M | |
| Loans / deposits | 71.57% (p28 of band) | 82.04% |
| Liquid assets / assets | 29.30% (p63 of band) | |
| Uninsured deposits / deposits | 34.60% (p78 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.95% (p53 of band) | |
| FHLB advances / assets | 3.95% | |
| Tier 1 leverage | 8.29% (p4 of band) | 10.81% |
| Unrealized securities loss / equity | -62.23% (p2 of band) | -8.10% |
| AOCI / equity | -1.03% (p21 of band) | |
| ROA (annualized) | 0.22% (p6 of band) | 1.28% |
| Net interest margin | 2.95% (p9 of band) | 3.91% |
| Efficiency ratio | 92.27% (p96 of band) | |
| Noncurrent loans | 0.59% (p58 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p57 of band) | |
| Reserve coverage of noncurrent | 179.85% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 23.24% (p29 of band) | |
| Auto loans | $3.2M (1.07% of loans; DQ 0.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -4.6% | |
| Employees | 101 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 0 |  | reserve under noncurrent, capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 2 | expense ratio p90 |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | reserve under noncurrent |  |
| 2016-09 | 1 |  | capital falling, reserve under noncurrent |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | uninsured deposits leaving |  |
| 2019-12 | 1 |  | uninsured deposits leaving |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | NIM <2.5% |  |
| 2021-06 | 4 | charge-offs p90 |  |
| 2021-09 | 2 |  | capital falling, charge-offs p90 |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 | capital falling | NIM <2.5% |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 3 |  | assets shrinking, uninsured deposits leaving |
| 2023-09 | 8 | wholesale funding >15%, AOCI drag >20% of equity, NIM <2.5%, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 7 | losing money | wholesale funding >15%, AOCI drag >20% of equity |
| 2024-03 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, losing money |
| 2024-06 | 5 | capital falling, losing money |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 4 |  | capital falling |
| 2025-09 | 3 |  | NIM <2.5% |
| 2025-12 | 2 |  | losing money |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2021-11-02 [Terre Haute Savings Bank announces name change effective next year - MyWabashValley.com](https://news.google.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?oc=5) · MyWabashValley.com
- 2022-02-07 [THSB rebrands itself as ‘The Hometown Savings Bank’ - Vincennes Sun-Commercial](https://news.google.com/rss/articles/CBMiowFBVV95cUxNT08zRHRteUd6OG9HSGxYS3ZDRGVRU3ByQXM5Ty1JNWQ3TkRNVjdkb1lXbjdSNm1ONkxMZnBOZGJ6bzVRY2R4QWVEajhJem1kMlc5NmdiN0NaNHd6Uy0yU0dSZlpObkFfaHNSMjhKYjBUTnk5VlJ3V09TcUh0S09ZbXo3QXlHMG1XYUxsb0hpaWR0SWdiZFlMN3dvcC1RczdYNkRz?oc=5) · Vincennes Sun-Commercial
- 2023-11-24 [First Savings Bank now merged into THSB - Terre Haute Tribune-Star](https://news.google.com/rss/articles/CBMiygFBVV95cUxOY0o0VU00M0RXajhqaTZXT2pRdzJGZ0VYVWpvSVEwNlNTQ0l1ZlBNQURxUC02T3pEUXFOZzBLU3JiUXY0SWNJQjVrc2s3U3NoYVdjT2lzdDg1VEV4dVh2VWpLOGJsaGNxXzFabm5pLWIzdEhVWWttQzVZVnlPc1BUOFliTmNNWFZlS29KbUN1UzhkUG1sY0ZJcXNsbjdMSzloMnFfNnRVN2lUOFpMZGtyS0pYb29mc3AzQ2ZqTlByZTdmLUtkQTVfNTF3?oc=5) · Terre Haute Tribune-Star
- 2025-03-18 [Joshua Zuerner joins Hometown Savings Bank Board of Directors - MyWabashValley.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBzcm42RWJMcjhaclFQYVVXUWl2T01WZU1HeUZHS3hGTDFlcHlaZGRWNGYwb0ROVk0tSUgwT2tldnByM0IzRUdYS3loS09JVFc4ZU15dmpzZWptZHBaZnpSbjlFMFdwbFZ3ZFM4Rk5MQWdrTkVDTGZySnVrUmh1QdIBgwFBVV95cUxPVFdMRFJ0Yl94ZTRnb0FzdF82Mk1nWTRZZ0lhWEhyUzFZZ1pkV3Z6LTNySDVSbUZNWUpxMzlFUUlaeUE3Qy1pQzZBa1FJcjRlNWNxNzNvTTlmaXBvN2Rpd3VYai1pZWFyUHZ0RmE5YTZ6UU1mRE1yLXQ2TV9NN25DT1RTVQ?oc=5) · MyWabashValley.com
- 2022-09-05 [Zionsville Boys and Valparaiso Girls Win State Preview - MileSplit Indiana](https://news.google.com/rss/articles/CBMimwFBVV95cUxQendUZ0ZrWll1ZUt2UFZUb2RxMWlBY3NjWmRjcjVxdGhuYW1hMmEzZWFLejdsWkxsb2dTRVkyMDhwcGItYmZ6VkRINWhIV3FOdEJITlhiVWpzSEFKV2cwakF1M2ExODlGekJsNXQ0TzZRQUtaeHc2MnpXS05LZ2k5eXMwSU9LY28wSThrb2ZhZUs5RUVoaGt0T3Brcw?oc=5) · MileSplit Indiana
- 2023-04-25 [2023 SAMYS honors the best in Indiana State Athletics - Indiana State University Athletics](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQZVp4WWpWbmNOdFRIRGxTeDByY3hBQU16cVlTdkg3Nzl3OWJac0pVNzYteFo5SmxocHJhTER5WjllZVhUWWkwWGI2UVBCUFR6SlBYV093ekk2UkVJbGgxamRrQkR4aHgwVi1CTlBTdmFhRUZCWXB5akJaNHhfaGtJSjNMeERlZEstMzk5WFk2T2ZlaGNYWDQwNGdmc2R1cFg4ZWZGaXB4RW8?oc=5) · Indiana State University Athletics
- 2021-05-12 [John Thomasian - BusinessWest](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9GS3ZzN2RPdjg4X0NwY1FjVm9qSHNGWUJhLVVFWmRYSEtFRnBweHg4NTA4TnVPNjIwZFRQcHRUcjRCbU9IX0daRWhLdmJ6Qi1MSG1aWXU1ZFc?oc=5) · BusinessWest
- 2016-03-26 [Businessman's legal fight with bank may be nearing trial - Times Herald-Record](https://news.google.com/rss/articles/CBMinwFBVV95cUxQMktOLS1CWC1WNmNtUDU1YWItSHpwTmxoOEZMY0NfbWRFX1lUVDVubVRmLVRBSzBmRG5od0F0eG1RVGVRNW00M1F0NW1WaU9ZeGtlY1BvSzNFRmo4cHk1cElhVGlGSWlPZGE5cmRpTEtISnkxQWFhQUhSRGIyOXMzRTM1TnAxa2hpRVdwS1ZoOTVBQ0tHVVdQYnJTVEVsNVE?oc=5) · Times Herald-Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17736 (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/8.json (key "17736", 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