# BANK OF HINDMAN
HINDMAN, KY · FDIC certificate 289 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $259.7M | |
| Deposits | $211.4M | |
| Loans and leases | $119.2M | |
| Total equity | $19.5M | |
| Loans / deposits | 55.71% (p25 of band) | 73.59% |
| Liquid assets / assets | 49.43% (p77 of band) | |
| Uninsured deposits / deposits | 13.92% (p28 of band) | 19.81% |
| Brokered deposits | 0.40% | |
| Wholesale funding | 11.24% (p86 of band) | |
| FHLB advances / assets | 2.31% | |
| Tier 1 leverage | 9.19% (p13 of band) | 11.76% |
| Unrealized securities loss / equity | -68.79% (p3 of band) | -6.57% |
| AOCI / equity | -1.50% (p19 of band) | |
| ROA (annualized) | 0.48% (p17 of band) | 1.17% |
| Net interest margin | 2.08% (p2 of band) | 3.93% |
| Efficiency ratio | 73.40% (p68 of band) | |
| Noncurrent loans | 0.91% (p68 of band) | 0.36% |
| Net charge-offs (annualized) | 0.06% (p83 of band) | |
| Reserve coverage of noncurrent | 134.75% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 35.35% (p68 of band) | |
| Auto loans | $728,000 (0.61% of loans; DQ 3.98%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)

## 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 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | deposits shrinking, assets shrinking |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | deposits shrinking |
| 2013-12 | 1 |  | assets shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 1 |  | noncurrent p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 | uninsured deposits leaving | capital falling |
| 2017-12 | 1 |  | uninsured deposits leaving |
| 2018-03 | 2 | noncurrent p90 |  |
| 2018-06 | 1 |  | noncurrent p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | capital falling, NIM <2.5% |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 3 | noncurrent p90 |  |
| 2021-03 | 4 | capital falling |  |
| 2021-06 | 2 |  | noncurrent p90, capital falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking |  |
| 2022-06 | 7 | noncurrent p90, construction >100% equity |  |
| 2022-09 | 7 |  |  |
| 2022-12 | 5 |  | reserve under noncurrent, noncurrent p90 |
| 2023-03 | 4 | deposits shrinking | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 3 |  | deposits shrinking |
| 2023-09 | 8 | wholesale funding >15%, AOCI drag >20% of equity, noncurrent p90, reserve under noncurrent, deposits shrinking |  |
| 2023-12 | 6 |  | AOCI drag >20% of equity, noncurrent p90 |
| 2024-03 | 4 |  | reserve under noncurrent, deposits shrinking |
| 2024-06 | 4 | reserve under noncurrent | wholesale funding >15% |
| 2024-09 | 3 | uninsured deposits leaving | construction >100% equity, reserve under noncurrent |
| 2024-12 | 4 | reserve under noncurrent |  |
| 2025-03 | 3 |  | uninsured deposits leaving |
| 2025-06 | 4 | capital falling |  |
| 2025-09 | 3 |  | capital falling |
| 2025-12 | 2 |  | reserve under noncurrent |
| 2026-03 | 5 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2026-06 | 2 |  | capital falling, charge-offs p90, reserve under noncurrent |

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

- 2022-07-14 [William Robert "Bill" Weinberg has been Inducted into the Prestigious Marquis Who's Who Biographical Registry - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPQnRtVFhHaGl1OU9xOTlNYnN4MVJNU3VOQUVsamVzckY0bE9PMVU0UW9hZWVLNy1UaDY1RFJQa3FtSzhDRlgyV05TS0RKbzZFUDJodVJOekFaRDVHTm4yM1Z2eUYyVldIWXRVSmFLSHlOWkVCN3dVWDI3bmhZZ2djUVRLNTlFZ3hXWVhZTWFBc25pZUNxR3dIck42S2dBYnpMQUpxV1ZpRGRNMGhqWHZCZmhWTVM2S1ZsSm1sb0hBX2p6U1FlNDloOVo2U1JNUFVLMF9oWU84bWk1d0F4WTU4WnIyUkM3U0hiRjdOZ3NMejAxZw?oc=5) · 24-7 Press Release Newswire
- 2021-10-05 [Marcia Lawrence Obituary (1925 - 2016) - Hindman, KY - Lexington Herald-Leader - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxPTV9HNzl4d3hMZFJfREZqdjMwMVRPRkhTSENrY0FnTE1pZ3RCdkxXOVEtRHF3WG15M3hsVWxzeTZkbU10c185MF9jV0tNQTlqamJiSUhRaFhKdVJ4OHVFZjVoaDk2bHcxQTNYWllXWExTNTAzaDIyMmpKbDl5NGpET05RU1ZGeWhfQWktcXpwdw?oc=5) · Legacy obituary
- 2019-11-04 [Parcels B&C bidder hopes to add more restaurants, supermarket to Capital Plaza property - State-Journal](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQVDJyQVhQSjB5ZS1CMnlhTHlxY0I5SFFiaDBfV1dKWmlxNHU4WWJwV3Qwc0w5S3Y5bk5hRVdfSFhnWGdIRWF1UDE2RHhqWXV3d1ZvM1hjOVFzNE9UTDNETE5hOWxaMVlZaGlIaGpDeGV0R3ZHNHdkZ1Axb0ZJTkhIRy0tY01aX2VQckFDcnVuTjk3VVdkSUUwX3o3S3lGdFZFODFxV3JVUnNkcVAyTFRpekphVWxOb2UtZ3ZjdVQxUVI?oc=5) · State-Journal
- 2016-04-10 [J. Smith Obituary (2016) - Jackson, KY - Lexington Herald-Leader - Legacy obituary](https://news.google.com/rss/articles/CBMihgFBVV95cUxPc1dGVHkwUktPODZzRW9SaVN1LUdtd0NtRHVnNkpSbWc4WF9mYUFnakh3WjZuTVl1YXZzZjdGUEhRVW5TLVljUGxEZVBnV3FOX2VpWnF3ZXk3Rm8zYkNuVXQ0VTJOUnd5WHB1c3V3eUJpaGtiNzBrQ3NxLWN0SDZhTVYySUhFUQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=289 (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/33.json (key "289", 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