# HANTZ BANK
SOUTHFIELD, MI · FDIC certificate 35345 · asset band <$300M · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $228.8M | |
| Deposits | $198.1M | |
| Loans and leases | $195.4M | |
| Total equity | $30.0M | |
| Loans / deposits | 97.75% (p89 of band) | 76.50% |
| Liquid assets / assets | 13.75% (p10 of band) | |
| Uninsured deposits / deposits | 22.70% (p75 of band) | 15.89% |
| Brokered deposits | 10.06% | |
| Wholesale funding | 10.06% (p83 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.21% (p61 of band) | 11.35% |
| Unrealized securities loss / equity | -0.04% (p63 of band) | -0.33% |
| AOCI / equity | 0.01% (p15 of band) | |
| ROA (annualized) | 0.86% (p41 of band) | 0.99% |
| Net interest margin | 3.88% (p55 of band) | 3.80% |
| Efficiency ratio | 76.92% (p67 of band) | |
| Noncurrent loans | 0.05% (p21 of band) | 0.56% |
| Net charge-offs (annualized) | -0.02% (p13 of band) | |
| Reserve coverage of noncurrent | 1833.00% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 4.15% (p27 of band) | |
| Auto loans | $5,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 69 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## 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 | 3 | brokered >10%, capital falling | expense ratio p90 |
| 2011-12 | 4 | wholesale funding >15%, reserve under noncurrent | losing money |
| 2012-03 | 4 |  |  |
| 2012-06 | 3 |  | reserve under noncurrent |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | wholesale funding >15% |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 1 |  | brokered >10% |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 3 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2018-06 | 0 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2018-09 | 3 | loans exceed deposits, brokered >10%, liquid assets <10% |  |
| 2018-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2019-03 | 1 |  |  |

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

- 2020-08-26 [In Michigan, Credit Union ONE acquires Hantz Bank - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxORHE4R1dySXhyVzdBbHZyNWc4NGFMN3N6VU0ybHJyZGl0MUh3S01zUmZKMXZ2bW5ubllWU2lNM2swcUpGeVZzZ21UNUNuX09ON21NOThXdXpuTGVreFh3bmdvaEZrYUdnQ1ZjWW9oMGF4OUtHOW1INmFheHA4dWVSbDRzY3VxQWpLRzBtSjlUNWhvOGEybmYwUG1KVC1FZw?oc=5) · American Banker
- 2018-05-24 [McQueen Financial Advisors Announces 15th Successful Transaction as an Adviser for Credit Unions Acquiring Banks - Newswire.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNcWRick5DbDlISHo2bG5jY1p6M05QVEdTSXZvVnB6ZzJ6NTNhWlBfbGdoOWl1TG1XRllEOEZfUDQwX0dMVjNWbEZEbmE3eERjVi1YbGtFSmtMV3ZLdEZiUUhKWVgtb0tkbGQwVzJXV0tYRFI2czNPaUo0SzRzanZha3hjRklzUWs4WW5kY1FUWnhJczhtd1ZCRVdtYmNwRGFQNmdGbUV2VGF2TjFxZnc?oc=5) · Newswire.com
- 2019-03-17 [Lake Michigan Credit Union eyes future expansion in Florida - Crain's Grand Rapids](https://news.google.com/rss/articles/CBMitgFBVV95cUxPc1BmTUt1UGNsYWRFd0JxSEpjR1U0T3BSM19LZDNkcFRsU0Z2SDRTT3NoODU2T05OVVdlRDVfT0Y3R1pjVjh2UERDM1hDeVkyLXFVME94VFViNEJETlNLUEF0Z1ZiSWczTktFTS1xTEtwYjF4REEyNHMxMlRyVEptR29RMktzZmRzQ3pXTTN2QkhSZlRDUEZONEJkcW9wbElpNmZRUDduUjE0UWU5RnphdDFkaXNKdw?oc=5) · Crain's Grand Rapids
- 2011-12-27 [BIZZ BUZZ – TAYLOR: Hantz Financial Services, Inc. - thenewsherald.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPNkhwSGpreTRpdWdOS3NORXB1UGdOUFRFakZrenlMenl5M2k3eU14VHRxc1F6MkQ1ajNyUG1DaVRSampZZkZpWHhuanF0UmFTSE1Udkw4LU8xN0tWVUtTOEVCOUpNT1JzWGxoY3B4SHhFWDhncTV5NTFNakphZVF3WXlTOWgtWTctRFRYOVI5bFU?oc=5) · thenewsherald.com
- 2023-01-04 [Kimberly Mahard Obituary Jan 4, 2023 - sharpfuneralhomes.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE1xUG1ueWNUTjZ6ZXNydlhXUnFxXzdWWlNGNGdNeDNFcS12Tk83X091d2Z3T25GUWJrV0JxbVByMnA2UjByeEp0N1pJNm5ONG5sbC1YT3F0ZVhNZFlVYkl4VnBvLXFOVS1NelEyRw?oc=5) · sharpfuneralhomes.com
- 2014-05-02 [LSSU to award degrees to nearly 600 graduates on Saturday - Sault Ste. Marie Evening News](https://news.google.com/rss/articles/CBMilAFBVV95cUxQRnZmc21DWEM2UmZyVm1BSndkZlVKck84cUxDTDRIVnBWTUk0UFg4TURBMnE1QWpZSXhaamdka00zNkNpaEs3TFNvVVJaMm40Yi1oSUtGcmF6MlRrc2N4LWNrZUN1RVhoWTBpTXhteEhsTUhSMGVPSldwVHFGSjFWSFF3Yms4c1lIWFJtVWUyTE5TRTBO?oc=5) · Sault Ste. Marie Evening News
- 2019-07-19 [McQueen Financial Advisors Serves as Financial Advisor to Corporate America Family Credit Union in Its Purchase of Ben Franklin Bank of Illinois - Newswire.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOX05kSl9TQnIxWTBETWlLVjdsdHpBVDlvMHNPc1BWbWhrbVlLU3RLMnZNSU9iZ3RwRm15N0pzOTRMWENyU1ZQWjl0cEtaLW1PcUdmMmRUd2toQ0JLaURIb3hTN012SVFSbnVpZmU4YS1jazNpVENzSFVRZzV3c1hUNV9yc3FpR3ZHcEZHQmhpckhteExZMjUxQ2lyekluOGRncUZFRmxEWEluZw?oc=5) · Newswire.com
- 2019-02-14 [McQueen Financial Advisors and Balance Sheet Solutions Enter Into Strategic Partnership - Newswire.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxONjBYOW5MekVLX1pUTjZxN2ptUkVadzVtSUN1S0hwTk9qNnNEM3VTR1BOMXRsdFhoRU5ENlNYWUNtb25wQTFvLW1RMWhERG9TOGpGdjhMeUR3STJOc3ROU2l6R1BsS1k3VUFTcHVEVWF0Z2pJNm9naktMV2YwSDVTbTZ5MUNmenFxdWdYeGw2VFZMOFl5R3MybV9udUtaeTJ2OFNIMmYtUQ?oc=5) · Newswire.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35345 (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/17.json (key "35345", 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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