# HOMETOWN NATIONAL BANK
LONGVIEW, WA · FDIC certificate 35156 · asset band <$300M · latest filing 2015-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $3.8M | |
| Deposits | $3.7M | |
| Loans and leases | $2.4M | |
| Total equity | $80,000 | |
| Loans / deposits | 64.62% (p35 of band) | 73.61% |
| Liquid assets / assets | 35.83% (p57 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.84% (p0 of band) | 10.70% |
| Unrealized securities loss / equity | 0.00% (p20 of band) | 0.86% |
| AOCI / equity | 0.00% (p39 of band) | |
| ROA (annualized) | -10.79% (p0 of band) | 0.84% |
| Net interest margin | 3.73% (p56 of band) | 3.64% |
| Efficiency ratio | 805.62% (p100 of band) | |
| Noncurrent loans | 2.84% (p88 of band) | 0.69% |
| Net charge-offs (annualized) | 5.78% (p100 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -71.8% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **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 | 8 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 7 |  | charge-offs p90 |
| 2011-09 | 8 | capital falling |  |
| 2011-12 | 8 |  |  |
| 2012-03 | 11 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 11 |  |  |
| 2012-09 | 7 | uninsured deposits leaving | leverage <7%, leverage <5%, reserve under noncurrent, capital falling |
| 2012-12 | 7 | reserve under noncurrent | assets shrinking |
| 2013-03 | 6 |  | charge-offs p90 |
| 2013-06 | 6 | capital falling | deposits shrinking |
| 2013-09 | 4 |  | uninsured deposits leaving, reserve under noncurrent |
| 2013-12 | 3 |  | noncurrent p90 |
| 2014-03 | 3 |  |  |
| 2014-06 | 6 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking | capital falling |
| 2014-09 | 9 | leverage <7%, charge-offs p90, uninsured deposits leaving |  |
| 2014-12 | 12 | leverage <5%, capital falling, AOCI drag >20% of equity | reserve under noncurrent |
| 2015-03 | 9 |  | noncurrent p90, charge-offs p90, AOCI drag >20% of equity |
| 2015-06 | 11 | charge-offs p90, reserve under noncurrent |  |
| 2015-09 | 9 |  | uninsured deposits leaving, capital falling |

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

- 2026-07-30 [Canada’s Felix Auger-Aliassime enters hometown National Bank Open as a favourite - Toronto Star](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPRFl1aGJlZ0EwZzJGZ0VIS1lWbGhoLXNzb2o3ZC1OMGNHbV9pT25Xb3lsR0JKd1FneGNqX05PS1R0LWItak5iN0huVC12QUhrbmdhTjVXQVRTcmdBR1JBODB4aXJFbmZMdW5vYlVFNUxvTzJwWm5VMWhVSnpwNWl6TVlZU3BsWjNBX2N1VVcxdURMdHBLYjZFcXJIdU54TXBlbTlMTDJOYWstaDAwLXZ6ZnI4Z3lONnZjZnp2WnNXUGFoTjI2anhPOUVFQWpSVkVLUVlTLWVmRzFlWUtvVllxR25zNUN4SVJIT2Fz?oc=5) · Toronto Star
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2025-07-28 [After tough start to season, Canada's Leylah Fernandez rides momentum into NBO - Sportsnet.ca](https://news.google.com/rss/articles/CBMitAFBVV95cUxQaXA2OVFhQXA2cHc5TGV2SkJCNno1anNfd015YjhtQ01GZ1lIdm5xcVk1VHAzUFBjSTVtZ09FeU93aU5Ob0g5MlFnUHpjekZWT3hUaFhvSGtPc3VXMkFvckN4RC1yVE5qWnVXR2xXOWZJWVVDRk1yVnJPc0dYSGVHT2I3ampFQnQzRlpRem1LY2h3UFk4YWpaV1E3TWtHcEgwTFFyRDNyRzUyeHpOS2JmVWlFLTg?oc=5) · Sportsnet.ca
- 2025-07-27 [Fernandez wins D.C. Open title in straight sets over Kalinskaya for biggest title of her career - Washington Times](https://news.google.com/rss/articles/CBMisAFBVV95cUxNbGFqRUV4SFN4WGloanNjSW9UOFBDczVad0ZYZUpBVlVMZ05HeHBmb1A4VkpJY0tiakFNaVNLdEd5Ym43ZlJ0b1pGejlGTVVBWUR3WnBWbEtaLXh4MUw0MjdMTm9DZUN4LTVzek5WNG5zR0NGXzZhRUE5bUZrdlNyNmJBR0VzSi05S0ZXOW90LV83ZUJ2ckt1N25ldDI4SU9MRUhtbEo4ZVhRdjNoQ0VWWg?oc=5) · Washington Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35156 (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/20.json (key "35156", 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