# HOME SAVINGS BANK
MADISON, WI · FDIC certificate 30248 · asset band <$300M · latest filing 2022-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $176.2M | |
| Deposits | $129.8M | |
| Loans and leases | $150.0M | |
| Total equity | $18.3M | |
| Loans / deposits | 114.49% (p99 of band) | 59.63% |
| Liquid assets / assets | 9.30% (p1 of band) | |
| Uninsured deposits / deposits | 13.32% (p23 of band) | 20.09% |
| Brokered deposits | 4.61% | |
| Wholesale funding | 19.64% (p98 of band) | |
| FHLB advances / assets | 14.71% | |
| Tier 1 leverage | 9.86% (p42 of band) | 10.37% |
| Unrealized securities loss / equity | 0.01% (p98 of band) | -10.87% |
| AOCI / equity | 0.01% (p99 of band) | |
| ROA (annualized) | -0.37% (p4 of band) | 0.73% |
| Net interest margin | 2.81% (p40 of band) | 2.97% |
| Efficiency ratio | 108.66% (p95 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p52 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 99% | |
| Construction % of loans | 2.36% (p24 of band) | |
| Auto loans | $299,000 (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.5% | |
| Employees | 21 | |

## 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`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

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

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

- 2021-09-30 [Dupaco Community Credit Union and Home Savings Bank Sign Agreement for Strategic Acquisition - Business Wire](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPUjYyU2FnTXlnSEw3Tm9JY0FzRzdZOEVFVDFtVEJFNENEVjdmdHRYQkl4R1pBN0tXV0xKUUdCMG9wYmljR0Z5M1d5bmU4emhKTmdidWF4NjM0NHBVMUtmVXJkSGs5b0Y3Q25UTUFSd282MjVfYmtWaGFiMm41Vm95d0VHZXEtQ1BjVGU2M0pwYjdZWGtSeTdpQmxnTGluSVJpRWVDT18wNDlfV3FCNzJlZUtZVFJrOGRoWkNDZnVxOTZXcTkwYU9pTHhDelh2bDhPUUFsdk1kUURpcUV1RnlTemlSYw?oc=5) · Business Wire
- 2021-10-04 [Iowa credit union to buy Wisconsin bank in 11th such deal of 2021 - Banking Dive](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQQWtxY3BDNGlFRE8weEp6QmVJVlNHN3FnUWF6RHBRWkZrdGw0Y0JsNzJSbzRUSDdWZlNScktqaXdzRjhyMGNyVGJIdGtDUmt1WS1ZbXZFVlVIcVRpcXpYOUlrVVYxSTRRdkVWX1lBUVFQXzlkdGVmaE15NGlTbFNNVUZIaHZDX0pFaWR6dmhheS15WHNoRVg0ZnVqWTZKdEhlaXA2SU12enMtZw?oc=5) · Banking Dive
- 2020-11-16 [Stoughton Home Savings to close by Nov. 25 - stoughtonnews.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPU2lwV1VVOGRkdjdpNThGSURIWGI3aW1kS3Mtc1RsalNSQkZPYk1vazFHb1R5bG5rbXROakJtNG8wSGtmLUxMRWRQZXF4M3gwSGc5dkNRaFNFNFlEVzZTYk5iVUQ2ZzFWc1BRTGFrRzl6WG96MGNxYVpHZnNMQ3RBUXZmeHMyWWpWd1BOMGszVkpfOG9FNFhGUUpyUFB0Ylh0djFOQkxGT2xzVFFTbUdKQzNSUTVNbVdJRTNGM3c2bUUyR0wyVlhsbGtyYWlkb0hS?oc=5) · stoughtonnews.com
- 2021-10-27 [GreenState Credit Union broaches Chicago in its 3rd bank purchase this year - Banking Dive](https://news.google.com/rss/articles/CBMitwFBVV95cUxORXcyaFdQWFBiQXlrcjkxNHg4OFdKaHJUVzlxcENmM3U0WmpyUHE2TnhfOWlwNmRSX2xtcWRNeGdXT3JCOHhvQVJxSkNSMmxfMkZJUGZWTVdsdnl5WUoyeDlieFQzQTZiQ1czZTdXSHZDRU9ybVFua0lfSnZVdmU1bmR1Mi1PQ09ZY2taY09GTmNVcGNMN0l6aG4zVTdSWktSeVpMNklOaHhBVU9lZFd0dHhNcl9kUms?oc=5) · Banking Dive
- 2022-05-02 [Home Bancorp Wisconsin, Inc. Completes Purchase and Assumption Transaction With Dupaco Community Credit Union - Business Wire](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNSVNfOHlLMTVFcGY5WUhsVHllNlByM2lfMXNyRHFQTWRvWHc4b3duMXRvYUlOUHFyOS1ZZWE1ZDEyaGNrM1J5SnltWFdXTWhKclZvTHBYMVpZR2RfVGtTbmgxZC03QWRtUE50Sm0yR1pDZnRFbzk1Z1lvWG9VQVRYejhrMVBvVHBhUm44QXZvd1RxNUpuMWNGU1dSWTRlaFRSWGcySGp3VWJvTklqOUZzMHRMQ043WU9YaGFHV3VXVEZsRFJQclgwWHhtTzR1OUMwV2RYc0dmVlp5Sk9HeXdSaXZlQzdZbVhsX1lGUmJDRGtzWFV6dUx1Zg?oc=5) · Business Wire
- 2019-03-13 [Elkhorn man indicted in Madison bank robbery - wkow.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOZmJGTl9XQ0M5X01mNkIwQXRQYXRfY3p4NzR1bzVuNTA5OTVfeDBNdWtIRG9KcXJGYmExZzlJR2ZtSm5lWEp3WjhWVGQtdVRBeGFabHgxNzlyeTU3WDJTX0NKSENaVEhVaHZybzZPdkVVdFNXZDhqWGJMWTlublItcHFiRkc5R0VoRjVNWWpLa21vN2k4MTFCQzM5VmVzQWFsQzlHT1BMc3pCTU5VRWprUEl4RlRPV2FjVXlKWE9UT3Q?oc=5) · wkow.com
- 2017-05-18 [James Bradley Obituary May 18, 2017 - Cress Funeral and Cremation Services](https://news.google.com/rss/articles/CBMid0FVX3lxTE9kU2pxa3B3QXo1VW1tVC13RjhYNTlETmV3aVV5OUVEd3dpaVVHd19mOE55RldXWHJjZm1RaXpyT0huUlV5bmlBUEhBaTR1WUNuRHl3QTY1TG80cTJNTGlORFZBMzRYcWdhZzJlank4TEJFOFlvajc0?oc=5) · Cress Funeral and Cremation Services
- 2018-08-03 [Man who robbed bank at gunpoint, led police on high-speed Beltline chase sentenced to 21 years - channel3000.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxOQkNqWk5wbFBBWGhPZ3NkUzUxOV9Ub2hUWDl1c1BWeGV6anNtM3RqMVdwR3V4Z1Z2bTZYLTZvME5TTW51b2xBQkstclR0d213bVV6cVlEVDNud1dGQ0UzT2VPSlk0RVZkOXI0WUtub1ZhUmpsZzk3b21VRks0dk43Q2lBNXRoMkFjSVRvUU5qVFJYMkxPc2hoV25IS0VrZmdaRWFYTm1uQy1TOGhqaVB6VHhWWDNSUm5WS21WaDdvazFDV1hyZEQ5SXgwTjdERldTZUhRRF9vX3FuS1JiYjV5MzhsODc5MXdqRmJ3Zm9jVm44VFUzOHlPSUQ3VEQtQ2hIaEFv?oc=5) · channel3000.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30248 (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/40.json (key "30248", 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