# HOME FEDERAL BANK
SIOUX FALLS, SD · FDIC certificate 28092 · asset band $1-10B · latest filing 2016-03 · 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 | $1.14B | |
| Deposits | $933.4M | |
| Loans and leases | $894.8M | |
| Total equity | $129.3M | |
| Loans / deposits | 94.62% (p68 of band) | 86.87% |
| Liquid assets / assets | 16.39% (p26 of band) | |
| Uninsured deposits / deposits | 26.33% (p52 of band) | 25.28% |
| Brokered deposits | 3.75% | |
| Wholesale funding | 9.49% (p51 of band) | |
| FHLB advances / assets | 5.72% | |
| Tier 1 leverage | 10.94% (p74 of band) | 9.62% |
| Unrealized securities loss / equity | 1.41% (p45 of band) | 1.65% |
| AOCI / equity | 1.00% (p68 of band) | |
| ROA (annualized) | 0.92% (p49 of band) | 0.92% |
| Net interest margin | 3.72% (p69 of band) | 3.47% |
| Efficiency ratio | 66.65% (p57 of band) | |
| Noncurrent loans | 1.77% (p88 of band) | 0.66% |
| Net charge-offs (annualized) | 0.01% (p40 of band) | |
| Reserve coverage of noncurrent | 73.20% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 54.51% (p69 of band) | |
| Auto loans | $8.2M (0.92% of loans; DQ 0.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -2.7% | |
| Employees | 296 | |

## Flags firing in the latest filing

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

## Warning timeline

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

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

- 2015-11-30 [Great Western Bank to acquire Home Federal Bank - Argus Leader](https://news.google.com/rss/articles/CBMivgFBVV95cUxOaERlMTNEVGJ6OUdPaGd0Mk1WbnUyV214dmstSWFlc2FKbHRnWHBHVG5SdkRkMWMwYTR0OTMtWEtPdG5SN3BlMUJkWUdlVzBrODFyeWpJZ0hqYnRCUVNWdHpJcGxZa2JVNlhwQUw2dlpLVG9VbWMxQ21kQXBROWtkemdxY0lJaVlMVVJNNFc3bXE2eEVvbVFIUEVYdWwybG9KYUNQSVBxU1V4WldWZDBSYlRyaXV5cHhsRExueThR?oc=5) · Argus Leader
- 2026-08-26 [James Frederick Freudig Obituary Sep 9, 2006 - Miller Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBXUXJOMm1yZU1FTWFoQ1VpTEZQMXZLbTFfa1JEMUg3MGswNDRMUDRXVXlvRF9iclFrYkpTLWo1UENQbjRRcENsb1hTTXgxd0ZVZXdqdnhsWDVxQU1jV1E?oc=5) · Miller Funeral Home
- 2012-04-04 [District of South Dakota - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMiigFBVV95cUxNU1J0X2FXTXFQeUJ0OWF6cFFvYUxYbU85bmVPQ3NfVE05WWVJZ2FQQ05FVkwzTjYyUWV2QkxZSk5rcms3WE5sNTlYR2VNOGprMHRBMy1JamFBam5JcWo5WjEydUhLMkt1dVd2SjFJMEc2aWNNSXZkRjdqZmMzZnMxNDV4VEV3bktmeXc?oc=5) · Department of Justice (.gov)
- 2020-05-08 [Adeline Isaacson (Riehle) Obituary May 8, 2020 - Hansen Funeral Home | Vermillion SD](https://news.google.com/rss/articles/CBMibkFVX3lxTE9xR2xYSlFmNDZHdDVRZTZXQnZCT2drYUp5MlY3RnV5SWtvOFRhQ2pBcVdSMUllcDhNeUNac1ZIQ3gzdkZZU3Y4V1laaVQyVzd5ZHluZFlsYm5malF0Vmljb0tsSUhXN2g1dE1Ob3B3?oc=5) · Hansen Funeral Home | Vermillion SD
- 2013-09-01 [Linda Flannery Obituary Sep 1, 2013 - Hofmeister-Jones Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5ORjVoQUU5QmlxdHJ5VEkxWjdhTHd3OWlBLThrb0c5RzNYQl9YVkdaSU9HNFprRHFTeEcxdnV2cm9DMERkWHk4ZnZxLWNjMl9fcU9wRWNCeVktNnV5ZnJz?oc=5) · Hofmeister-Jones Funeral Home
- 2007-04-05 [Dianna Hoffman Obituary Apr 5, 2007 - Patton-Schad Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE05YjBqaHh3UEZCQklIOEZrLXlCWmVzWW9zY0ktVjVDZXpzZjRLTTBlR09JMGxZWUZ4bm1FbnlaWFR6cFdsTldpd0tfcWd2eDQ1SlpYYnFsLXZUUTNSbzc0eVkyaw?oc=5) · Patton-Schad Funeral Home
- 2013-08-31 [Christine Hamilton: SD ag's 'shining star' - mitchellrepublic.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQM2ZsLVN6aHJiU3p6TlJqQkFlVzZDeXVYUElYc2tPczFDalMySU9QRGhHSjZwLXA2aW84TWJZYklCYlBOZmpBZWYxZGhqM19ncGloZUpmd2RQZkE1c3FzQW1lczNpR3dJNW9jT2hxMHB2Wi1uMlFxb1VqOFBMZE9oTkdR?oc=5) · mitchellrepublic.com
- 2021-01-08 [Donald K. Linnemeyer Obituary Jan 8, 2021 - Miller Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5KVGZCR2FRZFh4dUR3bTY3Nms1SXNObi0zaWNHNmwtbm9oay1aSFFiUjNoenl3V3FEdDZJLWlIXzRMd295UHB2LVkyR0RIYi1xMjhvNlpNaTV1ZnNYdkRtZFVhRQ?oc=5) · Miller Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28092 (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/60.json (key "28092", 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