# HOPKINS FEDERAL SAVINGS BANK
BALTIMORE, MD · FDIC certificate 32372 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $223.5M | |
| Deposits | $187.9M | |
| Loans and leases | $54.8M | |
| Total equity | $34.1M | |
| Loans / deposits | 28.40% (p5 of band) | 74.58% |
| Liquid assets / assets | 75.76% (p97 of band) | |
| Uninsured deposits / deposits | 7.73% (p21 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.24% (p83 of band) | 10.79% |
| Unrealized securities loss / equity | 3.58% (p66 of band) | 2.02% |
| AOCI / equity | -0.07% (p3 of band) | |
| ROA (annualized) | 0.26% (p13 of band) | 0.86% |
| Net interest margin | 1.83% (p2 of band) | 3.65% |
| Efficiency ratio | 102.07% (p95 of band) | |
| Noncurrent loans | 8.11% (p99 of band) | 0.67% |
| Net charge-offs (annualized) | -0.15% (p3 of band) | |
| Reserve coverage of noncurrent | 33.73% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 18.57% (p55 of band) | |
| Auto loans | $17,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -10.9% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | securities losses >30% of equity, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 3 |  | noncurrent p90 |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking | securities losses >30% of equity |
| 2012-06 | 5 | uninsured deposits leaving |  |
| 2012-09 | 4 |  | uninsured deposits leaving |
| 2012-12 | 5 | uninsured deposits leaving |  |
| 2013-03 | 4 |  | uninsured deposits leaving |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 5 | noncurrent p90 |  |
| 2014-03 | 5 |  |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 6 | uninsured deposits leaving |  |
| 2014-12 | 6 |  |  |
| 2015-03 | 5 |  | uninsured deposits leaving |
| 2015-06 | 5 |  |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 6 | expense ratio p90 |  |

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

- 2023-11-16 [Steven Cohen on Selling Israel Bonds During Wartime - Baltimore Jewish Times](https://news.google.com/rss/articles/CBMihwFBVV95cUxPdjRVSmJJUUtHR1pMMk9SdUUzeVhSZ3FKbHdZcjVtblYzRTgtdmhsVFMxdHpWSmNreFhGSlQ5aFNEMGZmYmdEY2pwV2ZmY1VKakxya3NDLXdlSW1NaGtMT2x4NDhnZHAxMjRWcERCb1BYQWZaU0FWVEJjUzhXdFpOWTJwME84ckE?oc=5) · Baltimore Jewish Times
- 2010-11-23 [NRMLA Announces New Certified Reverse Mortgage Professional (CRMP) Designation - National Mortgage Professional](https://news.google.com/rss/articles/CBMixwFBVV95cUxNOUxxTk81TG5tb25jQWxteWo4RnBvUnpLdk1ud05QQTljUG43NWpFSk1LcHlVZVBGeW1XYUJUU0FhTWJtMDR2R0ZtZkVXc3VBRTRuRmdUNnV2ZUxlX2s0TDc5NS1ieUtNSzhWRHE2VVNlcGptcGtOTEFDVlB0ZnBIVU0yejFhM2hYSEFXS3lFQTk3RnpTWDd0Tl9BcjN2MWo1RnE5V0p0bmVLRzhoRzVHLXZRQ3hZNnV1aEZlcC01aEIxVGM4Zk5F?oc=5) · National Mortgage Professional
- 2013-10-13 [Sharon L. (Seipp) Hamilton Obituary Oct 13, 2013 - Myers-Durboraw Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTFBKQmlBQ21vQVBVXzBpdzVNd3NyQVl2ckIxUFVWRHAybHdyZTl4U3gtNl9TV1c4dVJjOHd6X3dBckNHTFpPMUJUbnhVQ0Y2dFJ3OGEzOHlxNTQ5R1VlV1E2XzM5UFNldEFyNHc?oc=5) · Myers-Durboraw Funeral Home
- 2017-01-25 [Former Baltimore bank VP pleads guilty in $1.8M embezzlement scheme - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPTFFiT0pydlN4WlpJQXZKUUk0YS1BOWZseVhLNm81cXpURThVSHlTQUxnRkZibFVCNE9pQ3pPTEpHUkRic054MUtFTklvcVFDQzZGZWJ4R3lERU52QzVRdDM1SWxRTDVYRTdhOXdvTHFzVmpQZDlKbEtPNnVja09wY0dHN2phWkhiWlVhVU55ZDhWZ091R2FhcU5fZU5pbk9mVGl0d0NFdEI?oc=5) · The Business Journals
- 2017-01-01 [Nottingham woman charged with embezzlement, wire fraud - nottinghammd.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOeDhHSTFqYURHVm9XQlF2d3VaYldxUTZ3WHd4ZVJjX2h1UUhGQS0xekJ2ZFBlYjh2ZktTTEU5S1VPeVpuQWtzUFNacHYxb2cwNDBKUmpMbnh2R0FjRnhSYWtVSlhkLUh6OTFuZXZGVFlSdVVYS3QwUXQyckVDOHN4RWJCOE9iYXJSUi1lUExR?oc=5) · nottinghammd.com
- 2025-07-10 [8 things to know: Annapolis parish buys school property for $8.5M - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQbVhnbDdoNGRmUHlnbTZYRER4QnY5YnRyd2RNZ3lHa3dGamlVM0N5OFlRejlYbkFSS20zSkNHV2gtM19jeFIwZ0t5RThYYzdlUUNqdzVxZW5HcVVkalhIVndSNHRQLWNoeTBUMzNmX3FmMktvb0ZnU2lOcWV5aTFuU0tBMGM5ZTNnM0F1N2xlbDA4dFp6MG10M3gwaTMySEtkN2NraC1YazZWdw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32372 (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/52.json (key "32372", 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