# HOMETOWN BK HUDSON VALLEY
WALDEN, NY · FDIC certificate 28379 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $115.4M | |
| Deposits | $99.9M | |
| Loans and leases | $103.0M | |
| Total equity | $7.0M | |
| Loans / deposits | 101.33% (p91 of band) | 75.51% |
| Liquid assets / assets | 5.68% (p1 of band) | |
| Uninsured deposits / deposits | 3.66% (p6 of band) | 14.70% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.64% (p72 of band) | |
| FHLB advances / assets | 6.11% | |
| Tier 1 leverage | 5.83% (p1 of band) | 10.91% |
| Unrealized securities loss / equity | -0.14% (p32 of band) | 0.10% |
| AOCI / equity | 0.01% (p20 of band) | |
| ROA (annualized) | -0.47% (p3 of band) | 0.87% |
| Net interest margin | 3.86% (p62 of band) | 3.67% |
| Efficiency ratio | 108.76% (p97 of band) | |
| Noncurrent loans | 3.97% (p95 of band) | 0.61% |
| Net charge-offs (annualized) | -0.01% (p20 of band) | |
| Reserve coverage of noncurrent | 43.22% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 105.03% (p96 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.7% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **leverage <7%** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, liquid assets <10%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2011-12 | 4 | capital falling, losing money |  |
| 2012-03 | 6 | liquid assets <10%, expense ratio p90 |  |
| 2012-06 | 2 |  | capital falling, losing money, liquid assets <10%, expense ratio p90 |
| 2012-09 | 4 | losing money, expense ratio p90 |  |
| 2012-12 | 6 | noncurrent p90, deposits shrinking, assets shrinking | construction >100% equity |
| 2013-03 | 6 |  |  |
| 2013-06 | 6 | capital falling | assets shrinking |
| 2013-09 | 9 | charge-offs p90, construction >100% equity, assets shrinking |  |
| 2013-12 | 10 | liquid assets <10% |  |
| 2014-03 | 11 | leverage <7% |  |
| 2014-06 | 10 | uninsured deposits leaving | noncurrent p90, liquid assets <10% |
| 2014-09 | 9 | noncurrent p90 | capital falling, uninsured deposits leaving |
| 2014-12 | 10 | liquid assets <10% |  |
| 2015-03 | 10 |  |  |
| 2015-06 | 9 |  | charge-offs p90 |
| 2015-09 | 10 | loans exceed deposits |  |
| 2015-12 | 8 |  | losing money, assets shrinking |
| 2016-03 | 9 | losing money, uninsured deposits leaving | construction >100% equity |
| 2016-06 | 9 | capital falling, charge-offs p90 | deposits shrinking, noncurrent p90 |
| 2016-09 | 8 | noncurrent p90 | loans exceed deposits, charge-offs p90 |
| 2016-12 | 8 | loans exceed deposits | capital falling |
| 2017-03 | 9 | construction >100% equity |  |
| 2017-06 | 9 |  |  |

## 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=28379 (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/27.json (key "28379", 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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