# HAMILTON BANK
TOWSON, MD · FDIC certificate 28589 · asset band $300M-1B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $499.1M | |
| Deposits | $390.6M | |
| Loans and leases | $365.0M | |
| Total equity | $51.8M | |
| Loans / deposits | 92.66% (p70 of band) | 84.98% |
| Liquid assets / assets | 20.10% (p40 of band) | |
| Uninsured deposits / deposits | 8.01% (p5 of band) | 21.58% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.65% (p77 of band) | |
| FHLB advances / assets | 10.23% | |
| Tier 1 leverage | 8.96% (p13 of band) | 10.59% |
| Unrealized securities loss / equity | -2.57% (p15 of band) | -0.32% |
| AOCI / equity | 1.68% (p69 of band) | |
| ROA (annualized) | 0.11% (p3 of band) | 1.08% |
| Net interest margin | 2.84% (p7 of band) | 3.73% |
| Efficiency ratio | 83.44% (p90 of band) | |
| Noncurrent loans | 1.50% (p85 of band) | 0.51% |
| Net charge-offs (annualized) | 0.26% (p94 of band) | |
| Reserve coverage of noncurrent | 56.44% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 21.71% (p29 of band) | |
| Auto loans | $557,000 (0.15% of loans; DQ 0.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -4.4% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | losing money, deposits shrinking, assets shrinking |  |
| 2012-06 | 4 | charge-offs p90 | assets shrinking |
| 2012-09 | 2 |  | deposits shrinking, charge-offs p90 |
| 2012-12 | 2 |  |  |
| 2013-03 | 5 | expense ratio p90, charge-offs p90, deposits shrinking |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 7 | assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 5 |  | expense ratio p90, uninsured deposits leaving |
| 2014-03 | 6 | expense ratio p90 |  |
| 2014-06 | 6 |  |  |
| 2014-09 | 6 |  |  |
| 2014-12 | 5 |  | assets shrinking |
| 2015-03 | 4 |  | charge-offs p90 |
| 2015-06 | 2 |  | losing money, expense ratio p90 |
| 2015-09 | 3 | capital falling, expense ratio p90 | deposits shrinking |
| 2015-12 | 3 |  |  |
| 2016-03 | 5 | noncurrent p90, charge-offs p90 |  |
| 2016-06 | 4 |  | noncurrent p90 |
| 2016-09 | 3 |  | charge-offs p90 |
| 2016-12 | 3 | charge-offs p90 | capital falling |
| 2017-03 | 3 | losing money | expense ratio p90 |
| 2017-06 | 4 | capital falling |  |
| 2017-09 | 4 | deposits shrinking | capital falling |
| 2017-12 | 4 | uninsured deposits leaving | deposits shrinking |
| 2018-03 | 4 | capital falling | uninsured deposits leaving |
| 2018-06 | 4 | noncurrent p90 | capital falling |
| 2018-09 | 3 |  | noncurrent p90 |
| 2018-12 | 2 |  | charge-offs p90 |
| 2019-03 | 3 | expense ratio p90, charge-offs p90 | losing money |

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

- 2019-05-01 [Orrstown, Hamilton close merger deal - The Herald-Mail](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQdFVPb2QxLXR2RW5LS1pPRDMzWUlTN2dBM0JaQW11VVBCRjdTUnowSzVacDFMbXdkc1lmLTRWR191NjFlQ20tVmExZ3NMSm9aT2tSLVlwSGI3c20tbklFblQyZ3JoZGVOWjlTVEFQTmJHNTdDTXkwa1JUNUJLc3FJcGM2QmFjazU1N3RhaXFqV0tHa0hlY2k2THp0ekdPZkE0aW5rbFc0elJoZw?oc=5) · The Herald-Mail
- 2026-06-17 [Orrstown Bank Uses Community Banking to Fuel Growth - I95 Business](https://news.google.com/rss/articles/CBMingFBVV95cUxOcHowMkhGdzk1Zjd3OFRtU1paa0EwVkpfcmo3T1pGSVYyTHVtdVVIMGVLZzdTRFBBcm9HSmNPZ3NlRmMtNVl6Z3lDOHUxNmVuS0lIeEFyVUJmTTVaVERUWEFWb2MzbTdOcFFWbF9zOXNsLThjNGl5QWZsQmsxYjBhR2IzUjZhdjZRZ25NaWd1Skg0YmpVTGpaX0Ric3dHQQ?oc=5) · I95 Business
- 2017-06-22 [Serial bank robber still at large in the MD, VA area - WBFF](https://news.google.com/rss/articles/CBMikAFBVV95cUxPSF8yS1NFdVAtLThCRWVORkhSUkNLWHFaVXJWVmFtRE9VRHZBMVE4bEcyN3U0Mm5pS0lDYTNXak5BcnNybEtqcE1xVkVqazVFN0p1TjllWFhabC1RNm1ZSHZlckZydFktcTA5N2tqZkNCWEFTX1lZM0drVXE5WWM3V2gxZjFiLVd3WE9MLUtpbTE?oc=5) · WBFF
- 2019-08-28 [Why Chris Holt left BB&T to join a community bank - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQWWN4NWZGYy1yaHZYR0lzdlU0TElDV1NiUFNFaDRlN3Fpc3g2LVhmNlk0b29LMG9pVE9nWVNxUkl4NmwxanAwaEQ2VzEyVDN5VXlqcDhzY2pja2duRnhDZ2tZZ3k0bXFvNmN1RVhhSUliT2VCRXRaZHpaV2pvcy11cWw1MWdMMzFITjJDQkhGUVJ6MVYtbjBVOWR5VnBDRjIzOGVldkJhYTlHWXp3?oc=5) · The Business Journals
- 2019-07-16 [Orrstown hires Holt as Maryland market president - Maryland Daily Record](https://news.google.com/rss/articles/CBMikAFBVV95cUxOZDhiTmFpMGg2dG15V3N6ZG9VSGNIZ3NPTVhoVXJBcXc2TzlpeFlBbVJBUXFkVi1BeWhkV0hWSWs5cVQ1OXIwU3dyYzlPQ1pzbXFSR1k3YWRHZ1o2X2tVRVdqbTU3MTJZYnpqQjJXbEJab2l2ZF9BU25tSWhvRHRYZl9jWDNhSncxWm5URXNOVlY?oc=5) · Maryland Daily Record
- 2017-07-18 [FBI identifies 'American League Bandit,' suspect in 12 or more bank robberies - WJLA](https://news.google.com/rss/articles/CBMipAFBVV95cUxQX3VvYlF0bTEyU0xXNWlfUDcweEVkZkVyS1BfTlFlU1Y2XzNaWjkzTURHQlU2N181TWFSODhrb3RkaXlpTVdJYl9nRzUwMHZHb1FpS2haY0I1bjE3b1dicW9Qamk0dU1ZVHZrZVREdFFUSXRVVkszSndmX3oyY2ZKbFRyR2ZoVHZ3eFFYQXRNMENveEtqYmRZWEVvQmIyZ1hXd0MtSQ?oc=5) · WJLA
- 1993-03-10 [WALTER GREEN, LAWYER AND BANK FOUNDER, DIES - The Washington Post](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPZWN3VTl5aEE5Tl9SS2ZyUVBoUFdTZUxFaXFtanZIWTh6RHZSSUNUZFM0c2QxeFJZdl9jNWhLbVh6TDN5S1BkN0FPdTJiYk1OcEQ1LWRVOWRuYXAwVUZkdmpPN0d0WlNpdEJBYUR5NVJOd1pzVV92b1hIa1BjUm8tQkZHZks5UHlEc3NEYlBzWEg1Yjg1SXJBemM0SlI0MENUdkZzMmdBcHVNOVZUWGlscTVsRUh0TjFzSnF3VlNoZ3NtWGhEbVlFNy01akc4MGx4?oc=5) · The Washington Post
- 2019-09-13 [Christopher Holt Joins Orrstown Bank as Executive Vice President and Market President for Maryland Region - I95 Business](https://news.google.com/rss/articles/CBMiTkFVX3lxTE5QZG9JXzBONkFTLWd0c2ltSjJyUlF2XzhYbWxrZHEtUjlleURCb3l3SXByTDRNQnFLeXVGUzVES3NCRWRZRzRRRm5jVTVzQQ?oc=5) · I95 Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28589 (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/45.json (key "28589", 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