# HOME CITY FSB OF SPRINGFIELD
SPRINGFIELD, OH · FDIC certificate 28554 · asset band <$300M · latest filing 2018-09 · 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 | $170.0M | |
| Deposits | $119.4M | |
| Loans and leases | $148.5M | |
| Total equity | $19.5M | |
| Loans / deposits | 122.90% (p99 of band) | 78.40% |
| Liquid assets / assets | 7.63% (p3 of band) | |
| Uninsured deposits / deposits | 9.54% (p23 of band) | 15.34% |
| Brokered deposits | 1.92% | |
| Wholesale funding | 18.64% (p94 of band) | |
| FHLB advances / assets | 16.73% | |
| Tier 1 leverage | 11.78% (p57 of band) | 11.34% |
| Unrealized securities loss / equity | -1.04% (p72 of band) | -3.15% |
| AOCI / equity | -0.58% (p70 of band) | |
| ROA (annualized) | 1.20% (p62 of band) | 1.02% |
| Net interest margin | 3.66% (p40 of band) | 3.82% |
| Efficiency ratio | 59.01% (p23 of band) | |
| Noncurrent loans | 0.08% (p22 of band) | 0.57% |
| Net charge-offs (annualized) | 0.02% (p60 of band) | |
| Reserve coverage of noncurrent | 1489.57% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 38.64% (p72 of band) | |
| Auto loans | $875,000 (0.59% of loans; DQ 1.83%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | loans exceed deposits |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 3 | liquid assets <10% |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 1 |  | uninsured deposits leaving, liquid assets <10% |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | deposits shrinking |  |
| 2014-06 | 1 |  | deposits shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | wholesale funding >15% |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | liquid assets <10% |  |
| 2015-09 | 2 |  | wholesale funding >15% |
| 2015-12 | 4 | wholesale funding >15%, uninsured deposits leaving |  |
| 2016-03 | 4 | capital falling | uninsured deposits leaving |
| 2016-06 | 3 |  | capital falling |
| 2016-09 | 2 |  | wholesale funding >15% |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | wholesale funding >15% |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | wholesale funding >15% |
| 2017-12 | 3 | wholesale funding >15% |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |

## 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=28554 (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/10.json (key "28554", 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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