# EUREKA HOMESTEAD
METAIRIE, LA · FDIC certificate 29268 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $89.4M | |
| Deposits | $57.8M | |
| Loans and leases | $75.2M | |
| Total equity | $18.4M | |
| Loans / deposits | 128.84% (p99 of band) | 73.59% |
| Liquid assets / assets | 9.56% (p3 of band) | |
| Uninsured deposits / deposits | 2.26% (p1 of band) | 19.81% |
| Brokered deposits | 8.63% | |
| Wholesale funding | 22.84% (p97 of band) | |
| FHLB advances / assets | 14.21% | |
| Tier 1 leverage | 21.12% (p91 of band) | 11.76% |
| Unrealized securities loss / equity | -0.75% (p80 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | -0.53% (p4 of band) | 1.17% |
| Net interest margin | 1.39% (p1 of band) | 3.93% |
| Efficiency ratio | 141.28% (p98 of band) | |
| Noncurrent loans | 0.48% (p55 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 222.84% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 2.45% (p24 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 | -14.0% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | capital falling, expense ratio p90 |  |
| 2012-03 | 3 | NIM <2.5% | capital falling |
| 2012-06 | 2 |  | expense ratio p90 |
| 2012-09 | 3 | deposits shrinking |  |
| 2012-12 | 4 | loans exceed deposits |  |
| 2013-03 | 2 |  | NIM <2.5%, deposits shrinking |
| 2013-06 | 4 | capital falling, NIM <2.5% |  |
| 2013-09 | 2 |  | loans exceed deposits, capital falling |
| 2013-12 | 3 | loans exceed deposits |  |
| 2014-03 | 5 | capital falling, reserve under noncurrent |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 7 | expense ratio p90, deposits shrinking |  |
| 2014-12 | 8 | uninsured deposits leaving |  |
| 2015-03 | 7 |  | capital falling |
| 2015-06 | 7 |  |  |
| 2015-09 | 7 |  |  |
| 2015-12 | 6 | assets shrinking | reserve under noncurrent, uninsured deposits leaving |
| 2016-03 | 6 |  |  |
| 2016-06 | 6 |  |  |
| 2016-09 | 3 |  | expense ratio p90, deposits shrinking, assets shrinking |
| 2016-12 | 6 | capital falling, expense ratio p90, reserve under noncurrent |  |
| 2017-03 | 4 |  | capital falling, reserve under noncurrent |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 6 | liquid assets <10%, capital falling, losing money | expense ratio p90 |
| 2018-03 | 5 |  | losing money |
| 2018-06 | 5 | expense ratio p90 | liquid assets <10% |
| 2018-09 | 4 |  | expense ratio p90 |
| 2018-12 | 4 | liquid assets <10% | capital falling |
| 2019-03 | 4 | expense ratio p90 | liquid assets <10% |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 3 |  | expense ratio p90 |
| 2020-03 | 3 |  |  |
| 2020-06 | 6 | expense ratio p90, deposits shrinking, uninsured deposits leaving |  |
| 2020-09 | 4 |  | deposits shrinking, uninsured deposits leaving |
| 2020-12 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-03 | 4 |  | expense ratio p90, deposits shrinking, assets shrinking |
| 2021-06 | 5 | capital falling |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 3 |  | uninsured deposits leaving, capital falling |
| 2022-03 | 4 | uninsured deposits leaving |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | capital falling |  |
| 2022-12 | 5 | liquid assets <10% | capital falling |
| 2023-03 | 5 |  |  |
| 2023-06 | 4 |  | liquid assets <10% |
| 2023-09 | 3 |  | uninsured deposits leaving |
| 2023-12 | 4 | capital falling |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 4 | liquid assets <10% |  |
| 2024-12 | 5 | assets shrinking |  |
| 2025-03 | 6 | losing money, expense ratio p90 | liquid assets <10% |
| 2025-06 | 7 | liquid assets <10% |  |
| 2025-09 | 8 | deposits shrinking |  |
| 2025-12 | 9 | brokered >10% |  |
| 2026-03 | 7 |  | assets shrinking, brokered >10% |
| 2026-06 | 8 | assets shrinking |  |

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

- 2023-08-04 [Eureka Homestead Bancorp, Inc. Reaches Definitive Agreement to Be Acquired by Investor Group - PR Newswire](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQOXJDNnR6S1BwNnliWUN0X1Z5Z19ST0JjblBETkhCOVRYams4MjJqcjJDX1c2T1RlUjBQMTV4RnBub3RXa1d1Z3RtOHIyS3hyemRTSGUxY19rdjVaQWNBWnhRNVZOTnR6Tld4bHZiVzNMTFFkVDgwb2VnYnhFODV1ZTBQeHVXeDZ4VFd6QzZFRWZEbEtsMFhxMExCMENCeXNFTGNUS0c0UXBaUTFQR3piZk43aTM5YlliM0trNktVZVBTSWhzZDR6V2pEd3IzeU40bGd2a2JzcUt5eFAwMkd3?oc=5) · PR Newswire
- 2023-08-09 [Metairie-based bank to be acquired by investor group - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2023-08-22 [Why private investors are scooping up small banks - American Banker](https://news.google.com/rss/articles/CBMijgFBVV95cUxNenNpcUxXNDktUWpwZ0Z5ajhmNWQ4SlV1SVdseV9xWFdlemFDVy1oczJkSVJlbzc0ZzBkeWRSaW9nYkdLdExiZmw0dmtjSVpMZXBzVmREUUhoUWFEd0FReDlBTURsR251LTlDTWl4Skp0VkJiMXFEMTFISUFxZGNlcEtxZGNMNkhENFdmU0x3?oc=5) · American Banker
- 2023-08-10 [Metairie-based bank to be acquired by newly formed investor group - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNWjR0cWZCa0dqakVhY3hwZXBTYjBJeWJLVWdGQU94NS1pX0xyRUdzQWx4Zm44NFczcXFoTXVpRUVjaTAxOGtDMWpoYkFqQXRIMXYtYXBFUjBQTkpkNVo3UDdRc0JkSnE1a08zM19qTWtESlQzR1Jtdm1vNEFxSlRGT01vNE1YNEdyZjFwb3Flb21HOUNXY0dFSlZENmdodGNIMjFYTzZ4UmV1MGwwaDlUNnVBb1ZITE94?oc=5) · New Orleans CityBusiness
- 2023-07-23 [Wilbur Toups Obituary - New Orleans, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxQR25xenRRVkxpaUtHaU1nQmp0T0ZtRk1KWnpDTzYtTVJxUGN5amM1NU9wa0hxTHQwaGFXUmRxSFlQMmtKakZGVmpsaUJvVkFsSmZsa04xaVdiZkVGU1E2UlRLR0llR055SlJYV1JNXzFtRmpCWHRYNkg0ekNLSE5UMVRJNm1Wdw?oc=5) · Dignity Memorial
- 2026-03-06 [Bob Shofstahl, who rose from humble origins to lead New Orleans financial, legal institutions, dies at 84 - NOLA.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNTWFBVzVmVXJJa1I4OWQ5NU9Jc1lLMHhPY1V5QUVLb1JzQUxTeTc5aF9lelUwLWlaZXNhR296QjlGVkwwa05EN3dVNmFZSHp0dUdrb3JiV3ZvV0dUS1RoenQtNmRxS05OUmo1endkVFhkRzNma3dLYVAySDVGdXlxRXNrTElvaDlBakZJQXRMczhqQVFPcW1WbnlSYXpKM1loaWNNRjR3YkdWRWg3QkVRd3Z6Q3pYRVRKS2VrZ2p5UC1Ud3hTSzVQWFVnQ3kzNG_SAdQBQVVfeXFMTzR2WjZwSEpyWEFmN3UwR25LR042Yk0xSHpIeF8zNTlmWDBVdXpSZURLM243N0hHZjUxMzBod003d3RJV2xlVjdHaGRoZEh5UzN6Zl9nZjNURTBVUnJUa2hMNjh2cTZYekJza0paZE13a000eGVVaTJFQ2g2dHNhVjZlMEF2NEZ2Y0x0enZjWjk4RmNQbVRIaXJ0VVZ3ci0wU0FpcUdiWHdVTWtrdGloNzNjOGZRQkI3RmVRYWMwQ0tPeWlfc2FhamhxNm9xTlkxQTdkRHg?oc=5) · NOLA.com
- 2009-03-02 [Homesteading - myneworleans.com](https://news.google.com/rss/articles/CBMiVEFVX3lxTE02VlhDWkctS05CeVh3aWRmaTh3MXZxR3lRbGFLM1M0LUhxTEtveG5SMDJ1Q0pCWnllTVNrZm9lSUhsZXFWQkNOMzdQXzIzOFJSZlpvSg?oc=5) · myneworleans.com
- 2026-03-01 [Maxwell Edward Robert “Bob” Shofstahl Obituary | Audubon Funeral Home | Slidell, LA - Tribute Archive](https://news.google.com/rss/articles/CBMipwFBVV95cUxQQlExMUhodHBORU5ZRjVZVDcxWmtEZk1GaVhrRmhmdGFkY3p3UndwbXZVVGp5Y0EteE5fMUUyVjFwNEhaSUZNcy1ldkw2ajkyQWozWXRZTjNKTHhZV1NWVkMxRXN4THhWQlR6ZmVuWTU3ZEhKWWJwOEgzTGxrLVJaSlR5TWtOWHI3dWQ0Sy1QZnVvekF0bnk4SV84a3VFcHh1LWltX1dBUQ?oc=5) · Tribute Archive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29268 (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/20.json (key "29268", 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