# BEST HOMETOWN BANK
COLLINSVILLE, IL · FDIC certificate 27909 · asset band <$300M · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $117.4M | |
| Deposits | $100.9M | |
| Loans and leases | $87.5M | |
| Total equity | $12.3M | |
| Loans / deposits | 86.70% (p72 of band) | 75.62% |
| Liquid assets / assets | 16.80% (p14 of band) | |
| Uninsured deposits / deposits | 6.35% (p11 of band) | 16.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.56% (p59 of band) | |
| FHLB advances / assets | 2.56% | |
| Tier 1 leverage | 10.21% (p31 of band) | 11.43% |
| Unrealized securities loss / equity | 0.48% (p49 of band) | 0.53% |
| AOCI / equity | 5.88% (p99 of band) | |
| ROA (annualized) | 0.10% (p10 of band) | 0.92% |
| Net interest margin | 3.07% (p19 of band) | 3.67% |
| Efficiency ratio | 90.84% (p87 of band) | |
| Noncurrent loans | 0.13% (p28 of band) | 0.57% |
| Net charge-offs (annualized) | -0.04% (p9 of band) | |
| Reserve coverage of noncurrent | 33.63% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 40.30% (p74 of band) | |
| Auto loans | $305,000 (0.35% of loans; DQ 0.66%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.1% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | charge-offs p90 |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking | losing money |
| 2012-06 | 5 | charge-offs p90, uninsured deposits leaving |  |
| 2012-09 | 4 |  | reserve under noncurrent |
| 2012-12 | 3 | losing money | deposits shrinking, uninsured deposits leaving |
| 2013-03 | 1 | capital falling | assets shrinking, charge-offs p90, losing money |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | reserve under noncurrent, uninsured deposits leaving |  |
| 2014-12 | 4 | capital falling, losing money, expense ratio p90 | reserve under noncurrent, uninsured deposits leaving |
| 2015-03 | 4 | NIM <2.5% | charge-offs p90 |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | wholesale funding >15% |  |
| 2015-12 | 4 |  | wholesale funding >15% |
| 2016-03 | 3 |  | NIM <2.5% |
| 2016-06 | 3 | NIM <2.5% | capital falling |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | capital falling |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 3 |  | capital falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | assets shrinking | NIM <2.5% |
| 2018-06 | 4 | deposits shrinking, uninsured deposits leaving | assets shrinking |
| 2018-09 | 5 | capital falling |  |
| 2018-12 | 4 |  | deposits shrinking |
| 2019-03 | 4 | NIM <2.5% | uninsured deposits leaving |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | losing money |
| 2019-12 | 3 | losing money | capital falling |
| 2020-03 | 1 | reserve under noncurrent | expense ratio p90, NIM <2.5%, losing money |

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

- 2020-06-30 [Best Hometown Bank merges vinto First National Bank of Waterloo - Alton Telegraph](https://news.google.com/rss/articles/CBMiowFBVV95cUxNZ1dNdE03YXBaV1RRdXloTzk4NzNLT2tpbFh5LVVQZHUxNDNOTDhpaEM5cF9CUWVVU2FEa3dLTFJRNkxWS3NIUG9Yc1MyVmhJM0c5NTlmQkdyRVRqYnprc0RmdUFySm5Lb21POV85ZnUydUZqU3ltcnprVnlZa2p2UC05R2hpZzBHOTZ2dks5SkMzU2IwZlNuMTFndVgwVlI5YWUw?oc=5) · Alton Telegraph
- 2020-02-06 [First Waterloo completes acquisition of Collinsville-based Best Hometown Bank - Illinois Business Journal](https://news.google.com/rss/articles/CBMitgFBVV95cUxQaWpGTTlJY3AyWjN0ZDFIdmdZb3NqUUZ0NVQ4UGtfYURhYWp1ejN2TG9URm12VVhqTzdOU2JVdHJ1dG8zZGJTNUwyb1B0eFZIVjUzRm00SHloblBlOHRaNThQNU9xVjJiVXVpMVZ2Vi16bGp1a0ZSUkhkMzZEMW9xclZiNXFTNWNFNHAyamNYODhkVldEUnRRdHc4aERhcTV0RHd3SEM5VU84ZXFBY3V3N0ZuRmlNdw?oc=5) · Illinois Business Journal
- 2020-01-22 [What bank mergers in St. Louis and elsewhere portend for 2020 - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPdllhUjBNemtMYURmQVpXNmRYSmoyT2lJcHZkWjhDSmY3N0VOUXJFZHVpMHRLRHRxVzRNMDE3VlZmVWlqMXFkYnVZU2lRQnZMRW1PTkY3Q3RvUk5tZXRPQTYtcThyM2NXTkdGVWtPQ2s5cVNJdEhtb01sV1hJYnVkNTlIeW8xaVB6TTdSTlVtcG1lOTY2NU5UUlc0SnFKZHZITHc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27909 (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/5.json (key "27909", 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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