# HOME BANK SB
MARTINSVILLE, IN · FDIC certificate 29881 · asset band $300M-1B · 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 | $433.1M | |
| Deposits | $370.9M | |
| Loans and leases | $261.2M | |
| Total equity | $40.2M | |
| Loans / deposits | 69.63% (p25 of band) | 82.04% |
| Liquid assets / assets | 31.95% (p69 of band) | |
| Uninsured deposits / deposits | 24.01% (p42 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.46% (p50 of band) | |
| FHLB advances / assets | 3.46% | |
| Tier 1 leverage | 12.46% (p74 of band) | 10.81% |
| Unrealized securities loss / equity | -51.55% (p4 of band) | -8.10% |
| AOCI / equity | 1.66% (p97 of band) | |
| ROA (annualized) | 0.65% (p16 of band) | 1.28% |
| Net interest margin | 3.66% (p36 of band) | 3.91% |
| Efficiency ratio | 82.49% (p90 of band) | |
| Noncurrent loans | 0.86% (p69 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p63 of band) | |
| Reserve coverage of noncurrent | 129.87% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 44.80% (p51 of band) | |
| Auto loans | $2.1M (0.79% of loans; DQ 2.87%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 85 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 | wholesale funding >15% | securities losses >30% of equity |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 | charge-offs p90 | loans exceed deposits, wholesale funding >15% |
| 2012-06 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 4 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2013-03 | 4 | losing money, charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2013-06 | 3 |  | charge-offs p90 |
| 2013-09 | 4 | noncurrent p90 |  |
| 2013-12 | 3 |  | losing money |
| 2014-03 | 5 | losing money, expense ratio p90 |  |
| 2014-06 | 2 |  | noncurrent p90, losing money, expense ratio p90 |
| 2014-09 | 2 | expense ratio p90 | wholesale funding >15% |
| 2014-12 | 1 |  | expense ratio p90 |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 2 | reserve under noncurrent |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | capital falling, noncurrent p90 |  |
| 2018-09 | 1 |  | capital falling, noncurrent p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | expense ratio p90, noncurrent p90 |  |
| 2019-06 | 2 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | uninsured deposits leaving | expense ratio p90 |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | reserve under noncurrent |  |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2022-03 | 3 | AOCI drag >20% of equity, expense ratio p90 | noncurrent p90 |
| 2022-06 | 4 | capital falling, securities losses >30% of equity | reserve under noncurrent |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | wholesale funding >15% |  |
| 2024-03 | 2 | capital falling | expense ratio p90, wholesale funding >15% |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | expense ratio p90 |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2022-01-04 [Shockney joines Home Bank Board of Directors - Reporter-Times](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNNWJMZlYzWk53Z05NZUhkY3RIMWRUSVBrQWFxZTBObjBzRktfdUZUNG83bC1GUHBlSU8xYmg0aXpBZVVoMndqX01YS1JCMEhUWEF5S2phc21ObmFCWWtQZEtmSDk0QTBCQ292VUhITl9rbXZvck1HRnFPWng0Y1ZQSmk2UnpiMHlQdUlOUHNvRDdCYVZoc1FRNXRpVnZrcEV6R25ZWW5mcVZCZw?oc=5) · Reporter-Times
- 2013-06-07 [Home Bank SB announces officers - Reporter-Times](https://news.google.com/rss/articles/CBMimgFBVV95cUxOcUZid0g0TFI5SDhRdXc0cEtoVkFLZkhIU2JfQVp1ekNIRzQxb0FiVkEtR2IyLTVaakI5SXpxMzlKaDdhUUxNSHFBeTZ3Wkl3NFFlbHZkQWdUTjdQU3NlSjVha1JvUFRqWXNlMXZsSHpmWm5nN1ppNGNNV0l5M2ItTkpuUmZLN2pPRld4N0pyellTRFY0a2hjVExR?oc=5) · Reporter-Times
- 2024-06-04 [FINE PRINT Mortgages - Brown County Democrat](https://news.google.com/rss/articles/CBMiakFVX3lxTE9XQ190c3hMOGU0b29Kck5HM1Z3cmxWOVdMLW5KcXp4aUItbE9NNktIQ1lGSE9wSndRMGZBX0ZkQ3Y3d25ZcjAweVhhWjZOd2FlTWctOTdjbHl2X2FNMzBDUWROMVZ3R1hKVkE?oc=5) · Brown County Democrat
- 2017-09-08 [Home Bank SB honors president, employees - Reporter-Times](https://news.google.com/rss/articles/CBMirgFBVV95cUxPZzFLZXpHX1EzbkVJeVlGSG9PUVBjZFl4ZjJnY0QydVRBZGhfejhXZV9YRlRFaklCbk1RZW1XZVNjbmk4MnFrQU44bEx0akYzb0NHQmpJSUU4VTJ2NW1RZlAzZXk5T2pkdmU3LV9oSk9rUFdFMGpGSURKVXQ4V251YW1TWGRtTUFmQTQxeF9nVWc0ZG1qWkhwbGhHRVJvZWNGc0Rhc2hXeVhpb3owRlE?oc=5) · Reporter-Times
- 2012-02-22 [McConnell and Sease join Home Bank Board of Directors - Reporter-Times](https://news.google.com/rss/articles/CBMitwFBVV95cUxOaDZFNjQ5WnBROWFuZ0w5NHRndjdkNVZUX1hkd2t0eDV5NUpQWG5YOWRoMnBURng3amhQbjdIX2thTUZGLWp4N0FKZGNTWGNzbkM5S1BETjBlY1ZvMDBOQ1ZVY2hmZWlheVladVJkMWU5T1MxUDRrdzY5WlY5LV8wVktZdWNfY2N1VHNCOXF6bm5ZUTEyVFpPanlHd2tIalpUSnBXT3BSRTF2T1IwcDAtNDJqQlo4VFE?oc=5) · Reporter-Times
- 2017-09-22 [Spencer-Ellis joins Home Bank SB as commercial loan officer - Reporter-Times](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQamU5bl9MWHFTTnp2ZGVSU3FEQ0Z4R2swSmJvWHlBRHpNMVdqal9tWXBVWVBMYXBRbks3aXBZSUVJcWwwWWV5Qm9nNlNaX3Z1aFRSM3poeEppTGZYUUdIU1c3X1YtdWtLSXROamFSelVnSldtdEFjS0NaWm9iNy0xa1N6dndSM2MySmJIVG9MX3NXZmpMSFZuOS1hb2MtVWtYelZCQ3laV0dXZnZPMGVjZnFKMWM4X2dObmtQOFkzRmlzVTdyXzVHXw?oc=5) · Reporter-Times
- 2012-06-01 [Home Bank appoints new officers - Reporter-Times](https://news.google.com/rss/articles/CBMimgFBVV95cUxQX1lwNUJmSE5BSnA1QTFoT3hhZ1k5RzdWWHE5aTVDRFFZNExFcm0wXzQ4SzFibzZ6RUFfLUlueFdVMUh5bXZzQTZwVmctUXphUHZfaTBsMFFnOUxIZUpZWUNna0taY2dwSU9LRmpnYzRQbXlTVnVqMFRaamlFVXFJdDlUQTF1QUxBM0F3Y2kwd2NlSDNmclh2U2Rn?oc=5) · Reporter-Times
- 1997-06-05 [Home Bank SB earns xceptional Performance Award - Reporter-Times](https://news.google.com/rss/articles/CBMirwFBVV95cUxPWWVtaXBqRmJRWmc1aW41a3VUYy1aRlp4a1psZ0ZBMjloUzdFUkhiR3k0RXpnMmZMcmwzV2haWHR2LWNCOGdtdU1DbWFaNW1QRkxxTTVHalRxWEFLdENGTk9SZEx4aUhmOHRyQTV1cld2emxlck12N1M3UC05UGNLcEdSVGRMYnMyaGw3aWN2a2lUYjlma3U2aXFrRFZFc1hJSnF4bGJxUjJ3UDN1REtn?oc=5) · Reporter-Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29881 (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/57.json (key "29881", 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