# HOME S&L CO OF YOUNGSTOWN OH
YOUNGSTOWN, OH · FDIC certificate 28114 · asset band $1-10B · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $2.19B | |
| Deposits | $1.57B | |
| Loans and leases | $1.59B | |
| Total equity | $216.5M | |
| Loans / deposits | 99.85% (p79 of band) | 88.78% |
| Liquid assets / assets | 22.22% (p53 of band) | |
| Uninsured deposits / deposits | 11.64% (p13 of band) | 25.90% |
| Brokered deposits | 3.49% | |
| Wholesale funding | 21.36% (p87 of band) | |
| FHLB advances / assets | 17.84% | |
| Tier 1 leverage | 10.65% (p69 of band) | 9.87% |
| Unrealized securities loss / equity | -2.86% (p18 of band) | -0.94% |
| AOCI / equity | -0.84% (p41 of band) | |
| ROA (annualized) | 0.94% (p48 of band) | 0.96% |
| Net interest margin | 3.21% (p30 of band) | 3.47% |
| Efficiency ratio | 59.77% (p35 of band) | |
| Noncurrent loans | 0.79% (p66 of band) | 0.57% |
| Net charge-offs (annualized) | 0.19% (p87 of band) | |
| Reserve coverage of noncurrent | 151.07% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 67.75% (p76 of band) | |
| Auto loans | $41.0M (2.58% of loans; DQ 0.39%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 429 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 |  |
| 2011-09 | 5 | capital falling, losing money, charge-offs p90 |  |
| 2011-12 | 2 |  | capital falling, losing money, charge-offs p90 |
| 2012-03 | 4 | charge-offs p90, deposits shrinking |  |
| 2012-06 | 5 | assets shrinking |  |
| 2012-09 | 6 | losing money, expense ratio p90 | noncurrent p90 |
| 2012-12 | 5 |  | expense ratio p90 |
| 2013-03 | 3 |  | charge-offs p90, losing money |
| 2013-06 | 5 | AOCI drag >20% of equity, charge-offs p90 |  |
| 2013-09 | 2 |  | deposits shrinking, assets shrinking, charge-offs p90 |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | AOCI drag >20% of equity |
| 2014-06 | 2 | expense ratio p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | expense ratio p90 |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 0 |  | reserve under noncurrent, capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2016-06 | 3 | wholesale funding >15% |  |
| 2016-09 | 4 | loans exceed deposits |  |
| 2016-12 | 2 | capital falling | charge-offs p90, reserve under noncurrent, loans exceed deposits |

## 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=28114 (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/18.json (key "28114", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide