# HOME FEDERAL BANK
NAMPA, ID · FDIC certificate 28258 · asset band $300M-1B · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $940.3M | |
| Deposits | $807.7M | |
| Loans and leases | $401.4M | |
| Total equity | $122.8M | |
| Loans / deposits | 48.69% (p9 of band) | 77.60% |
| Liquid assets / assets | 48.56% (p87 of band) | |
| Uninsured deposits / deposits | 11.18% (p22 of band) | 18.11% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p5 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.85% (p80 of band) | 9.94% |
| Unrealized securities loss / equity | -2.62% (p21 of band) | -0.21% |
| AOCI / equity | 2.66% (p87 of band) | |
| ROA (annualized) | 0.19% (p8 of band) | 0.81% |
| Net interest margin | 4.51% (p92 of band) | 3.57% |
| Efficiency ratio | 97.25% (p96 of band) | |
| Noncurrent loans | 2.00% (p74 of band) | 1.12% |
| Net charge-offs (annualized) | -0.21% (p2 of band) | |
| Reserve coverage of noncurrent | 100.55% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 44.91% (p64 of band) | |
| Auto loans | $879,000 (0.22% of loans; DQ 0.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -7.1% | |
| Employees | 272 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 3 |  | noncurrent p90 |
| 2011-12 | 4 | noncurrent p90 |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, noncurrent p90 |
| 2012-06 | 5 |  |  |
| 2012-09 | 5 | noncurrent p90 | uninsured deposits leaving |
| 2012-12 | 4 |  | noncurrent p90 |
| 2013-03 | 3 |  | assets shrinking |
| 2013-06 | 4 | assets shrinking |  |
| 2013-09 | 2 |  | deposits shrinking, assets shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | deposits shrinking, assets shrinking | reserve under noncurrent |

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

- 2026-08-27 [Home Federal Bank warns customers of phone scam - KTBS 3](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQdTdKWjVFaWVzWHVMOXp4dEh3cUx6YjJvSFpkY2hQU29NTURrQk01d1ZCNVhCeDd2bmd3WmJKdHFjQWhkY2lzUVhUeWtXcl83VHZxR3hvdFZ2QVp5TTdKSWpPQ0F4b1RONnFWTXQxa0pxWERSR2o1VFJROXNLUDVBcGJpS0doN0wtcTFhdUpKWEhNZ3FzY1Z0LVd0SklFaDhKUVFUZ19FTGdEVUVWaTVZYWM0bmkxcS1KdnY4NUo2cnRtdER0T01USA?oc=5) · KTBS 3
- 2026-05-22 [Thomas "Tom" Fox Jr. - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOUndsTWlWZ3pMUE9YdHhKNUpEX25hY0VScGR4Q0IwVTNKOVV6WGppV2VMVWVRU19Xa0Zqb3k5Zk1lekk5X3RTaGdMaWRwOXgxZjkxQWp6UUtFU21BcklnRGQ4QnZWbU8tMEg3X3NpMVJIU081cXBNMlBuaHptc1ZhMGlTakF3Mzg?oc=5) · legacy.com
- 2026-08-27 [Home Federal Bank announces planned CEO transition - PR Newswire](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQTk96WXh1a3dUeTdyNDR0bi14b3JGcnMyLU51OHRxZk1EaXdqelV3RDFZVFVoRzdVOXBJR0hDd2tWTXNtR3NJeVhQNFFWOVhXYUd0ZVRZTnN3Qlk5TDFvdGdhbnRPaGtxa2dldXZsMVk3My1FRGxsZVdDZ2tqMk55TU5veFVQWHhCZlo4WVNkQWdxMW5iNDdmVTVSNzV0Q3pwZEtucWdmelhmdw?oc=5) · PR Newswire
- 2016-08-02 [FBI seeks ‘Flip-Flop Bandit’ accused in Home Federal Bank robbery - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPZTdhM09MRGxNbzVURmphYzJKNjhaMXFrQzAySG5JNjFndWEwd281VFNLdGdYb1RfOWd3Q0p6MVRSdUxHdE1iQmxpUUU5MkxRa01lbjlETzdja3lLV2JtNlFjVkZnTVpNRTlIU290T09WWGZCMVFOOVBYZVE1cUhWV1RqcEk1bnpXZm5MU1RMekZlSzRFNUpBVWQ4MTh1Tl9VSFB3dzBPQ0JGUmJ2NWFQTFQwTWJPWjJJWXk3Mm5zcVNpNm8?oc=5) · Knoxville News Sentinel
- 2026-02-10 [Daniel Steven Galloway Obituary (2026) - Farragut, TN - Click Funeral Home - Farragut Chapel - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPRTc2bnIzS3FjUlppaW5zVS03QWc1TjJiT0ZGMV9fYmNlVlVmWXZEbkNTVmhRN0RHUzJiZVdaTXJ4bWd5Rkh0UVlTRjkyb1Vpblk5YzhnNmFiUzAyRkNxaFFtdzdCRWl3R0FsaV9oeDVORWtrczJ0VWFhb3FCcWdta1FETFE?oc=5) · legacy.com
- 2024-01-05 [Condos, offices and retail/restaurant planned directly across from Idaho Statehouse - BoiseDev](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1xM19Qc19oQVIzV09NdmNSektycnJOOHBnSXdOUHFIS3NEVk5HZ0JiZ1ExN3Roem1TRzZlcXVxa2dzbVNENFQzZzBoLUx6cVlxNjhkckVMZFZoOUVrTFpCWk9Pdw?oc=5) · BoiseDev
- 2019-03-25 [Home Federal Bank robber still on the run - Claiborne Progress](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPNS13bkwwWkx5QWM0aDdZb013aUFBUjUtZWZwWmMySTZuS3NYS3F6VlRvN2VZUUxuQ1V6ek9VZ1YtYXBValRaSHhEOXV6QXdXZmFZRkdXSVNaa2Y1WkJINDVFaVZBVDFrVEtLOWdhWTQyUFBBZlpvcHktR0FnRnpBWEZUREs5Y0FDSUk4?oc=5) · Claiborne Progress
- 2025-07-13 [Sally Ramsey Obituary (1942 - 2025) - Erwin, TN - Johnson City Press](https://news.google.com/rss/articles/CBMipwFBVV95cUxNNm9adkdFSjUtaUVuUThUbDluMWMyZkVuZk5ONXRtNWFiU1hqejdEQ0hNQnZsQ2NNZW52VXNsLVpXaDNWMlUwaGN5UmZVdzVhZ0ZjczdEQ3hhbzFicUdKQXFYS05CazBuOWZpZE1CYkZWTnc3MlZFSEFHNGRKZUltTThmYXI5a25sOGwwaGZlbDBjSDYxYjJqV2FNd1hkbFphSUNaaldSTQ?oc=5) · Johnson City Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28258 (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/34.json (key "28258", 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