# FIRST BANK HAMPTON
HAMPTON, IA · FDIC certificate 4464 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $240.9M | |
| Deposits | $208.2M | |
| Loans and leases | $201.6M | |
| Total equity | $27.2M | |
| Loans / deposits | 94.98% (p87 of band) | 73.59% |
| Liquid assets / assets | 14.40% (p10 of band) | |
| Uninsured deposits / deposits | 24.88% (p67 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.83% (p58 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.61% (p48 of band) | 11.76% |
| Unrealized securities loss / equity | -5.28% (p56 of band) | -6.57% |
| AOCI / equity | -0.29% (p55 of band) | |
| ROA (annualized) | 1.63% (p74 of band) | 1.17% |
| Net interest margin | 4.35% (p70 of band) | 3.93% |
| Efficiency ratio | 46.67% (p9 of band) | |
| Noncurrent loans | 0.65% (p61 of band) | 0.36% |
| Net charge-offs (annualized) | 0.85% (p99 of band) | |
| Reserve coverage of noncurrent | 294.22% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 0.81% (p20 of band) | |
| Auto loans | $3.8M (1.89% of loans; DQ 0.00%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.0% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | deposits shrinking |  |
| 2014-03 | 0 |  | deposits shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | charge-offs p90 |  |
| 2023-06 | 0 |  | charge-offs p90 |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | charge-offs p90 |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | charge-offs p90 |
| 2024-09 | 1 | uninsured deposits leaving |  |
| 2024-12 | 1 | capital falling | uninsured deposits leaving |
| 2025-03 | 1 | charge-offs p90 | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 1 | charge-offs p90 |  |

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

- 2024-02-13 [Radio station owner named February's Entrepreneur of the Month | Iowa - kimt.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPcW1tdWpTM1NONlhjVkZ4Q1Y5R0N6Yy1RdFplSF8wdEdZSmlPRTRkaDlCUHBUcWt1RHdrZ3dUd09CdFZDbmtMT0Z1LUFCY3M2bFZERXZiNC1LaDVaUDVmNFBHLTNQMGU2SDVEdjBPOFRzbzYzM2RlSUY0WVdwZExWMVB6MF9Jek1jQmswa0c0ZXdUdXBDSmk2dXZRSS1Ndjc1RFE0SFJqMFh1MDVaUnBGcVVQUEFJSVgxLUJBU2NSRV9zRzRyNjgwR1VJUmJHaEZxR3Y4N1BsbFdkUQ?oc=5) · kimt.com
- 2017-10-14 [Robin Miles Hedges Obituary Oct 14, 2017 - Altogether Funeral](https://news.google.com/rss/articles/CBMirgFBVV95cUxNODhuWjhOYmJGQWsxWVI0LVQ3T0ZPeGJRLU1IN1c1Q2c5alRjQ2FGemVHTlJieHdPeVNJWTRJLXNZaEFkRWx0S2tWT1hNdWh5Y2Zab3YzRjB5NzZVZTM3OTd3S2h1WUtDbUxuQlJZWE9HRTRSbm1YMDdtR0xYLWxmVDQycDdpWnhPWG9OdEJ0aHVoOFpqMzZ2d0NodFdpeV9oWmxvQ3hrdEhPTFVWQ2c?oc=5) · Altogether Funeral

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4464 (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/48.json (key "4464", 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