# HOME SB OF ALBEMARLE SSB
ALBEMARLE, NC · FDIC certificate 30668 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $277.8M | |
| Deposits | $237.0M | |
| Loans and leases | $191.9M | |
| Total equity | $23.4M | |
| Loans / deposits | 79.49% (p71 of band) | 68.03% |
| Liquid assets / assets | 18.98% (p14 of band) | |
| Uninsured deposits / deposits | 17.02% (p69 of band) | 12.24% |
| Brokered deposits | 1.91% | |
| Wholesale funding | 6.33% (p75 of band) | |
| FHLB advances / assets | 4.43% | |
| Tier 1 leverage | 8.40% (p14 of band) | 10.34% |
| Unrealized securities loss / equity | 0.00% (p54 of band) | -0.15% |
| AOCI / equity | 6.21% (p96 of band) | |
| ROA (annualized) | -4.32% (p1 of band) | 0.74% |
| Net interest margin | 3.52% (p46 of band) | 3.59% |
| Efficiency ratio | 311.06% (p100 of band) | |
| Noncurrent loans | 1.78% (p68 of band) | 0.94% |
| Net charge-offs (annualized) | -0.02% (p14 of band) | |
| Reserve coverage of noncurrent | 102.28% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 69.45% (p89 of band) | |
| Auto loans | $478,000 (0.25% of loans; DQ 3.97%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 2 | reserve under noncurrent |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 2 | assets shrinking | reserve under noncurrent |
| 2012-09 | 2 | reserve under noncurrent | assets shrinking |
| 2012-12 | 1 |  | construction >100% equity |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 3 | capital falling, losing money, expense ratio p90 |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30668 (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/12.json (key "30668", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide