# HOME SAVINGS BANK
JEFFERSON CITY, MO · FDIC certificate 28276 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $23.8M | |
| Deposits | $22.5M | |
| Loans and leases | $18.5M | |
| Total equity | $1.3M | |
| Loans / deposits | 81.09% (p62 of band) | 74.58% |
| Liquid assets / assets | 16.00% (p16 of band) | |
| Uninsured deposits / deposits | 5.94% (p14 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 5.38% (p1 of band) | 10.79% |
| Unrealized securities loss / equity | 0.00% (p7 of band) | 2.02% |
| AOCI / equity | 0.00% (p10 of band) | |
| ROA (annualized) | -2.93% (p1 of band) | 0.86% |
| Net interest margin | 3.43% (p37 of band) | 3.65% |
| Efficiency ratio | 233.58% (p100 of band) | |
| Noncurrent loans | 2.26% (p84 of band) | 0.67% |
| Net charge-offs (annualized) | -0.02% (p16 of band) | |
| Reserve coverage of noncurrent | 51.08% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 101.94% (p95 of band) | |
| Auto loans | $306,000 (1.66% of loans; DQ 0.33%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 4 | noncurrent p90 |  |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 3 |  | losing money, expense ratio p90 |
| 2012-06 | 4 | losing money, expense ratio p90 | capital falling |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-06 | 7 |  |  |
| 2013-09 | 6 |  | noncurrent p90 |
| 2013-12 | 6 |  |  |
| 2014-03 | 6 | capital falling | uninsured deposits leaving |
| 2014-06 | 6 |  |  |
| 2014-09 | 4 |  | deposits shrinking, assets shrinking |
| 2014-12 | 5 | deposits shrinking, assets shrinking | capital falling |
| 2015-03 | 3 |  | deposits shrinking, assets shrinking |
| 2015-06 | 4 | capital falling |  |
| 2015-09 | 5 | leverage <7% |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 6 | construction >100% equity |  |

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

- 2020-04-22 [Home Savings Bank and First Federal Bank merging, becoming Premier Bank - WKBN.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQZFh6ZDM0alJEMEZsbTFNM182SWtCYy1ZeFRGM2ZEbW9MLTd3aGUyVjV0RWo5a2NLY1VEaWNUUnoxVE84c0ZJWDEwM2J4N3Y2TU9tS1RsSTNzSXJ2clpTeHlxT1ZIWUtRSFY3UzNKSzI0Y3FqVWw3WUN5Y2pCeVgxNU1PenhGcXlJZ0xwMjhGcWlQdFAzeXc4WW9HdzdVVExVQ1k0ZE90dk1vdGdy0gGyAUFVX3lxTE1LQ1kwRlRXeE5TOVRfQ3dwZUZMMDVLdzczNEJrVzZySnljc1FVRHU3NWxGV2xTajVaNlNnOHhpdXNaaE5BWk1HTUdtLXhGUlRPRGl3aVltSXhnMVVYak5JRWVTYXl3VHB2Z1FVZXdxdXhtRmtkM2dxZ2FaU2RERzRUT1p6THdodXFraUxQb3dwbXY4NENBQnpsY3dsMWsycXZwWk5qSzZLTW16dFNibXliOEE?oc=5) · WKBN.com
- 2019-04-11 [Ceremony marks name change from First Home Bank to Stockmens Bank - Ozark County Times |](https://news.google.com/rss/articles/CBMipAFBVV95cUxQUjUzOTQ4bEo5SVVidUctNmNCOHF1d0NCUUQwMEdZZU9Gb0N5dG9lZlZuSGVfX201T0tzb1lqSERUT2ZPemtOMEpyVGNJekdncGg5TnBqOGpQWkhCcXhtTUt0dVIxd1dqbDItWG5LSXplek51ZktlSmZwcWZjRjBOcTAwUEs1dDlRVGxtcC1TM0Jldmc5dWNhdWZudm03TE9RVl9mdQ?oc=5) · Ozark County Times |
- 2025-12-28 [BIZBEAT: Legends Bank establishing second branch in Jefferson City - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMikgFBVV95cUxNUXd0OU9odWhJX09wNjFuOUFVLTFjcHJMUHRhY0VybFczWW5GcUlQTTExMWpCa05ZZGZqNWM1ME9jS0lwVlRwUVFBSm93Mi1iM19SYnBOcWdpcUFBc1pCaTJCZlQ0X21HOWNmY2s3M1Yxa1BrdkNuQW1Dcm00MlhhU3E3ZkQza2hINjhBdUl3a0dBZw?oc=5) · Jefferson City News Tribune
- 2016-01-27 [Springfield branch manager admits to embezzling funds - KOMU 8](https://news.google.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?oc=5) · KOMU 8
- 2014-03-12 [Bank Seeks Solid Investment In Lumos Solar Panel-Powered Carport - Solar Power World](https://news.google.com/rss/articles/CBMirAFBVV95cUxNUWp4R0hDTmxiYTRvZ054VkhYd2pwOFU3aEU0X2QwaW9wMXFwdjNQaGx3U19MM1hZZlhPbHVxeXE4eFNzRFVkaEJ2Q0Y5a3FlMDc1ZExlSVIxNGppSDZVclFJWEFjSm9uUVFOZWFFZnBmMW91aHUyX1hxUWNjSVhyYW45Q1QzSXQyZ1RVTEVGNlZTdjYxMmZjdFgwTkdWc0V3UWk4a2xlYzdjZUtW?oc=5) · Solar Power World
- 2016-03-30 [Obituary information for Marsha K. Butcher - Meierhoffer Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTE9nZFdrTmdMaWJuSjhaUzNOZDdEUGd2cm5meEw3clhRT2FvNkdIRU5fYXREYzF0cU5KSXNNeXViZzdUaGlaOVJDdXI0bWdOS0RkallUd1R6NFZxWEYzcWVKenpJZTVnQlVHYno4d3hKeVJScDFoVHc?oc=5) · Meierhoffer Funeral Home
- 2020-02-29 [Best 1-Year CD Rates for September 2026: 4.36% APY Still Available - Investopedia](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBWdHhPbWJzNDJGd2pXNGZ2Y0wwSWlibkFqU1BJV21xNk04a1RKdlNFUXdCa3gzUGVoUlJHaWo4ZXdjeUxVdGpGSC1tcXo4VHNkekVuSDd5LTZOMHJIdG1QY0FxWjdqXzBa?oc=5) · Investopedia
- 2007-06-01 [Joyce (Clark) Vinson's Obituary, Visitation & Funeral Information - Holman-Howe Funeral Homes](https://news.google.com/rss/articles/CBMifEFVX3lxTE9kNEpsVGpQSWx1bDJXN2lCWUdZMHlraUVCc0VlZlZsTXpqYWVXRkY5Z0ZwLU1zV2NQdGpNbTdsbTRkOUhDazdPTmRBZTlLWXZOZnBCbGRZSWpuQm16SDBiVGxya1BKN3FZZ00ybFl5Mk1EQ0cyRzk3S3k4QUQ?oc=5) · Holman-Howe Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28276 (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/52.json (key "28276", 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