# FIRST HOME BANK
MOUNTAIN GROVE, MO · FDIC certificate 30364 · asset band <$300M · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $220.9M | |
| Deposits | $187.8M | |
| Loans and leases | $142.2M | |
| Total equity | $19.1M | |
| Loans / deposits | 74.79% (p47 of band) | 76.19% |
| Liquid assets / assets | 29.89% (p49 of band) | |
| Uninsured deposits / deposits | 7.69% (p18 of band) | 14.99% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.13% (p69 of band) | |
| FHLB advances / assets | 4.08% | |
| Tier 1 leverage | 8.30% (p7 of band) | 11.02% |
| Unrealized securities loss / equity | -5.74% (p2 of band) | 0.02% |
| AOCI / equity | 2.04% (p73 of band) | |
| ROA (annualized) | 0.33% (p13 of band) | 0.90% |
| Net interest margin | 3.03% (p17 of band) | 3.71% |
| Efficiency ratio | 82.46% (p79 of band) | |
| Noncurrent loans | 0.57% (p48 of band) | 0.62% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 223.73% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 49.27% (p79 of band) | |
| Auto loans | $989,000 (0.70% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 66 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | reserve under noncurrent |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 4 | deposits shrinking, assets shrinking | capital falling, uninsured deposits leaving |
| 2012-09 | 4 |  |  |
| 2012-12 | 5 | uninsured deposits leaving |  |
| 2013-03 | 1 | capital falling | losing money, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | AOCI drag >20% of equity |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 1 | capital falling | uninsured deposits leaving |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | uninsured deposits leaving |  |
| 2017-09 | 0 |  | uninsured deposits leaving |

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

- 2019-04-08 [First Home Bank undergoes name change - Springfield Business Journal](https://news.google.com/rss/articles/CBMidkFVX3lxTE0xT2h4N0VjMllMbkdsS0dHQnY4dVBQM2lSYzdPNm5jMS1WVFdfWkFEUjk2R0JBR1RHN3pyZ2J5cGRuSW0xOGJNV3VPUzgyMDRWQmV5R2FuZ3VrZjhHdUpreTJ3M0FVX0EwblJncGxxT3dLRFVWSHc?oc=5) · Springfield Business Journal
- 2016-05-23 [First Home Bank - Architect Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE5uYmw2MHQwSlU1djBZR0h3R3RCbmhuT1J5eE9ZazI0dklWOXY0dXUzdHcxVzVSX2pvaENYZUNIajI1V2xnQThtMmdlNXNHcjYxaDhZclY3Q2RjN0ctTldiR2VpdU14UjFtWF90NFZKNkdQSHZR?oc=5) · Architect Magazine
- 2019-04-11 [Ceremony marks name change from First Home Bank to Stockmens Bank - Ozark County Times |](https://news.google.com/rss/articles/CBMipAFBVV95cUxQUjUzOTQ4bEo5SVVidUctNmNCOHF1d0NCUUQwMEdZZU9Gb0N5dG9lZlZuSGVfX201T0tzb1lqSERUT2ZPemtOMEpyVGNJekdncGg5TnBqOGpQWkhCcXhtTUt0dVIxd1dqbDItWG5LSXplek51ZktlSmZwcWZjRjBOcTAwUEs1dDlRVGxtcC1TM0Jldmc5dWNhdWZudm03TE9RVl9mdQ?oc=5) · Ozark County Times |
- 2015-05-23 [Expedia recognized for support of military employees - Springfield News-Leader](https://news.google.com/rss/articles/CBMirwFBVV95cUxNdEZwSThNdXhfX3V5Tm5USUd3N3dFVGJpOWEzTVF1ZWlUVzZzXzdpQ0Z4UUxMVWowTjNkV0JqaHNJRlhSeHRKTDFaTThoTjdOWXJfQzZmNFVpOTRzZ2ZoWDR2OWJRdnhqREduVlpkemJxRXZsaHVCTkFPdnljSUdJOUZuRTBwNnhrMVEzTXZFSFFmX3JtS0RDX3dwN1lVdU9qSmtjWG9FNC0yME5xMndR?oc=5) · Springfield News-Leader
- 2017-03-29 [Colorado Springs bank merging with Missouri institution in bid to grow - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNaC14Qmhka0JHbnZkbkRkQUdfbk4xbFdZSENrcFRPS0dsZlM1XzA4LWVCX0xxbW1sdTZvODFIT09tejh0UGJKSzZDQ1g5Y2xTS1ZiTE5LRTJaRDlBRmF1N2xsOXVnSVlqU2d3eDN3VjY0OE40eWtKSUdfY0VSYllOYm04eTkzekFDUFNaQ1JaZjNMYjRka2k4U0xHdTJjYlV5aWVtdmtGTlNTLU85Zm91czRJVFhEeGYyX2JmZHRRaUNGX0tmdUxfTDlPVjliMm9JUFVwOXpn?oc=5) · Colorado Springs Gazette
- 2016-11-06 [Short joins Sparta’s First Home Bank - Christian County Headliner News](https://news.google.com/rss/articles/CBMifkFVX3lxTE8yZG83Uy0wTzZqTWpyWVBEdkdqYjA5VTBJeWJpczE4NmY0NEpLQ25uckxKYy1CWHlqX0t4Zi03VDRBZHRIVVRnSkgyUUI5YzJXbGUzV2tPYTFsUEN4MEhaXzJ5ODlnTlBIb0JTRDgwQmVVaGZ4YnBjX0lsdkJzZw?oc=5) · Christian County Headliner News
- 2020-01-20 [A Conversation With … Jeffrey Palmer - Springfield Business Journal](https://news.google.com/rss/articles/CBMickFVX3lxTE5VRDljZng0ZVdZRG9TeG9SY3BmWEk4V3NVQ243Ti1PdVdmcWdhNkVHNXdaRUViVEhGRjVUWXRtMmZQWWpyTVRCcjduRGo2WGhNZ1otZ1NOdEREVk8zNVpCdTJCS1o1SHBod0VxSjBGX1k4Zw?oc=5) · Springfield Business Journal
- 2015-07-25 [Integrity Home Care & Hospice names President - Springfield News-Leader](https://news.google.com/rss/articles/CBMisgFBVV95cUxPbEwzYzRRdW9qTGlzVnRaNk5iYm5ZMF9pRkhubWppUzNrcnFQTHhzaHR2NHhLQWFyb3F4Z05nQVluWVdQQU1RQ3ZhM1BqZVJlamtzRFhXZERCVFlFSEZwckZqV3NaZzBOTkwweDZlX0ZGSDVHZV9ZZU8yaTJ5M0s5bGdPSUpYc0Z3al96YXZGRjVtSVFsQXR6WHZkcGNRMEd6WWRxVk1UZzBvbFpJQXlERF9B?oc=5) · Springfield News-Leader

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30364 (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/28.json (key "30364", 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