# HOME BUILDERS ASSN
LYNCHBURG, OH · FDIC certificate 29767 · asset band <$300M · latest filing 2011-03 · 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 | $26.3M | |
| Deposits | $20.2M | |
| Loans and leases | $23.0M | |
| Total equity | $4.4M | |
| Loans / deposits | 113.06% (p99 of band) | 70.88% |
| Liquid assets / assets | 9.42% (p2 of band) | |
| Uninsured deposits / deposits | 0.00% (p1 of band) | 7.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.69% (p65 of band) | |
| FHLB advances / assets | 5.69% | |
| Tier 1 leverage | 16.82% (p92 of band) | 9.71% |
| Unrealized securities loss / equity | 1.79% (p62 of band) | 0.79% |
| AOCI / equity | 0.05% (p52 of band) | |
| ROA (annualized) | 0.59% (p45 of band) | 0.66% |
| Net interest margin | 4.29% (p78 of band) | 3.79% |
| Efficiency ratio | 96.92% (p87 of band) | |
| Noncurrent loans | 2.68% (p67 of band) | 1.53% |
| Net charge-offs (annualized) | 0.02% (p46 of band) | |
| Reserve coverage of noncurrent | 18.67% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 18.02% (p48 of band) | |
| Auto loans | $640,000 (2.78% of loans; DQ 2.97%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | – | |
| Employees | 4 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent |  |

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

- 2008-02-22 [HBAGC Market Forum 2008 - Crain's Chicago Business](https://news.google.com/rss/articles/CBMidkFVX3lxTFBHZEduQUdtZTBGTWNtTmZCNnRlMkNDMk03VjUwM0U4by0xTFFCN0I1MGxqZFMyRXh0ZXJHb2VJTEZBZ2EzVGFVa3Bfam5HUmUtOURNYXRSajk0eTN0SDJKTm1qR29oRjJ3SFlxT3dkVUh5clNRT1E?oc=5) · Crain's Chicago Business
- 2006-06-01 [Chat with Bobbie Flory, Lawrence Home Builders Assn., about ‘Blitz Build’ - Lawrence Journal-World](https://news.google.com/rss/articles/CBMimAFBVV95cUxQMTlPNDdMMlU0emFrUVk0TUhKOW9aeGVhLXlQRGpRUnpJQ2xmcGdUSHU2Y1BFclJXU2Q5S0xnNkFoT1l4c3Fid1FXRmMtQTVMUFRGVnowUTR2T1FGODM0YzAzYkNXeGpBUTBtZ1Q5YmhldjNHSjNvRGtQaVFmekVqN3ludlgyeEFldGJzZElaV3lGYThDVkNacA?oc=5) · Lawrence Journal-World
- 2025-01-20 [Obituary information for A. Dale Huston - Staab Funeral Homes](https://news.google.com/rss/articles/CBMifEFVX3lxTE1VMmV2QzhJMkdTaThHZkxPa3hoMU5sU2xudnRmWjdMTUZ5SkRCUGh2MHptdmhQYTZTajV4Q09qYWNkVmh4MGkyUjA1bkxjb3ZRRzBSbUZGbjgwNjVqVUNOS2c4ZmRxbDdUOXlMajdIcU8xSkJuRjE3ZE1DNk8?oc=5) · Staab Funeral Homes
- 2021-10-07 [Nancy Diehl Obituary (2010) - Enola, PA - PennLive.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQeXpST0tTYVZNZ1pWQVE2bnVsYXVBYVVUeUhjTG4tWE1JMTNmNEFYYURXUHV4cTFTT01LVGowZm42em03OEVOX052M0hVV3c1WnhNa1lFQTB5VFhkaDh4cGRMeTV6OU1TUTh4emVsYmVkcFVPY3BXZktsckluQkxXRVVpMVFaZF8zb3FqZmRmT2Q?oc=5) · PennLive.com
- 2008-03-07 [Obituary information for Lloyd A. Fowler - Langeland Funeral Homes](https://news.google.com/rss/articles/CBMidEFVX3lxTFBWUHRCdnVYdGlVMXN6RmxTMWJJSlpuWDJMelNSNG8xV01Cc1VSMXVGZUlNVkVmajJxeXZqNVhmZHRvSlg5UUgzdXBOUU1sZWFLNmVMdW5KWnhfY250R2IwMXRxNmN3MkhLVUNSNjNYY1B0VExW?oc=5) · Langeland Funeral Homes
- 2007-04-07 [William Craig Obituary - San Antonio, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxQMVg3TmJ6N2tNZEM1c0k1OVN5RV9IU0xkX3VScnZZVDdkOWlpa0N4RzJqWXNjT2FzYWd2TWtnWlFXM1pZcWRMUU5qaUpVT0FBSjNMYTNpaUxCYjhYT3IzTDNKQjNETzZjQlNYOG4yQVcxRVBJQnpiejNSS3gwRHBMTXg1TDZMb0k?oc=5) · Dignity Memorial
- 2018-04-09 [Bernard Hull Obituary - Grand Rapids, MI - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOc0c2NTFZdjBSclVIN09GUldXNmdwazFqMkZ1a1J6VktPWUdKQ0pCYnZ3ak1qSkFaeTRKOFZSeENxVkdlbC11dDlVN2lPcXdabGtDQjlsdlQ5RGVDcml5UDVnSjl6Yl8ydVJGNmRRc2c2OHlQLTNyTFlkemRzVHc2LU01M3lIUQ?oc=5) · Dignity Memorial
- 2004-04-21 [John Collier Obituary (2004) - Pine Knoll Shores, NC - The News & Observer - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQQllKR0cyZEtUel95NzZCX0YtMmdSaHlpbjgzeS1NUXRDc3YzTDF3V0RwbWplQ2dBcldJN05say1jZ2ZvWllWWnZiRlVJVG9PT0I2cGptb2ZzMXpDVEEtWk9SYmpxVkNjaDBCVEdobFJrYkpZdk5TZ3V3MTZIUnBTTW5oUnBkRkFJNFZ0eDc5d3RTdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29767 (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/7.json (key "29767", 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