# HOME BANK OF ARKANSAS
PORTLAND, AR · FDIC certificate 5629 · asset band <$300M · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $65.2M | |
| Deposits | $56.8M | |
| Loans and leases | $50.2M | |
| Total equity | $7.5M | |
| Loans / deposits | 87.02% (p83 of band) | 63.45% |
| Liquid assets / assets | 18.84% (p13 of band) | |
| Uninsured deposits / deposits | 9.04% (p10 of band) | 20.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.32% (p58 of band) | 10.74% |
| Unrealized securities loss / equity | 0.00% (p97 of band) | -26.93% |
| AOCI / equity | 0.00% (p93 of band) | |
| ROA (annualized) | 0.30% (p13 of band) | 0.89% |
| Net interest margin | 4.50% (p95 of band) | 3.22% |
| Efficiency ratio | 93.65% (p92 of band) | |
| Noncurrent loans | 1.41% (p86 of band) | 0.22% |
| Net charge-offs (annualized) | 0.03% (p85 of band) | |
| Reserve coverage of noncurrent | 105.79% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 133.17% (p94 of band) | |
| Auto loans | $1.2M (2.49% of loans; DQ 0.88%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -13.0% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, wholesale funding >15%, liquid assets <10%, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 | losing money, noncurrent p90 | liquid assets <10% |
| 2011-09 | 6 |  | wholesale funding >15% |
| 2011-12 | 5 | liquid assets <10% | construction >100% equity, losing money |
| 2012-03 | 4 | deposits shrinking, assets shrinking | brokered >10%, charge-offs p90, liquid assets <10% |
| 2012-06 | 4 |  |  |
| 2012-09 | 6 | losing money, charge-offs p90, construction >100% equity, uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2012-12 | 4 |  | charge-offs p90, uninsured deposits leaving |
| 2013-03 | 2 | charge-offs p90 | noncurrent p90, losing money, construction >100% equity |
| 2013-06 | 1 |  | charge-offs p90 |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 | deposits shrinking | reserve under noncurrent |
| 2014-09 | 0 |  | deposits shrinking |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | uninsured deposits leaving |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2017-06 | 3 | expense ratio p90 |  |
| 2017-09 | 1 |  | uninsured deposits leaving, expense ratio p90 |
| 2017-12 | 1 | losing money | capital falling |
| 2018-03 | 0 |  | losing money |
| 2018-06 | 3 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2018-09 | 4 | uninsured deposits leaving |  |
| 2018-12 | 5 | losing money |  |
| 2019-03 | 3 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-06 | 4 | construction >100% equity |  |
| 2019-09 | 2 |  | capital falling, construction >100% equity |
| 2019-12 | 2 |  |  |
| 2020-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-06 | 4 |  | uninsured deposits leaving |
| 2020-09 | 3 | capital falling | deposits shrinking, assets shrinking |
| 2020-12 | 7 | noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2021-03 | 3 |  | losing money, capital falling, charge-offs p90, construction >100% equity |
| 2021-06 | 1 | construction >100% equity | expense ratio p90, noncurrent p90, reserve under noncurrent |
| 2021-09 | 1 |  |  |
| 2021-12 | 5 | losing money, expense ratio p90, charge-offs p90, uninsured deposits leaving |  |
| 2022-03 | 4 |  | uninsured deposits leaving |
| 2022-06 | 4 | deposits shrinking, assets shrinking | losing money, charge-offs p90 |
| 2022-09 | 4 |  |  |

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

- 2019-01-02 [Damascus police begins issuing tickets again after speed trap probation - thv11.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQd21kRG80N1BqcU9BWU9FdHVUZTRrcjUzX0l0dk5MNzhXb1R2NThhcnJTMFhpVXpfQktjbHFiX1FKbHRFSFhQNUsxd0hqVkdxOGw2aXc2U1g2V2dqcE5fWjdwa0htTHE0M2hNdUFQQWNONGMyYUVySEpqWjVZRUZuZFNaX1JZMDlNNzFrRDdZUWNURnlkQkMzVGFKYzlRNXhaWjc1NmE3RjBkUlQzTDFxNUVYQ29iQTBDNnRUUzhTZ3dLWWFkWUNvOWNrbFMxMGhISkZYNllkLUJRbTVoZThTRC1R?oc=5) · thv11.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5629 (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/61.json (key "5629", 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