# HOMELAND COMMUNITY BANK
MCMINNVILLE, TN · FDIC certificate 57632 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $244.1M | |
| Deposits | $227.2M | |
| Loans and leases | $137.1M | |
| Total equity | $14.2M | |
| Loans / deposits | 59.83% (p30 of band) | 73.59% |
| Liquid assets / assets | 39.67% (p62 of band) | |
| Uninsured deposits / deposits | 21.60% (p56 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.46% (p6 of band) | 11.76% |
| Unrealized securities loss / equity | -58.04% (p5 of band) | -6.57% |
| AOCI / equity | -0.96% (p28 of band) | |
| ROA (annualized) | 0.91% (p36 of band) | 1.17% |
| Net interest margin | 3.48% (p28 of band) | 3.93% |
| Efficiency ratio | 66.67% (p53 of band) | |
| Noncurrent loans | 0.36% (p50 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p58 of band) | |
| Reserve coverage of noncurrent | 233.54% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 142.60% (p98 of band) | |
| Auto loans | $1.6M (1.18% of loans; DQ 2.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.1% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | construction >100% equity |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 3 | charge-offs p90 | capital falling |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | noncurrent p90 |
| 2015-12 | 4 | losing money, expense ratio p90, noncurrent p90 |  |
| 2016-03 | 0 |  | reserve under noncurrent, losing money, expense ratio p90, noncurrent p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 3 | losing money, expense ratio p90 |  |
| 2017-03 | 1 | reserve under noncurrent | capital falling, losing money, expense ratio p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | construction >100% equity |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | leverage <7% |  |
| 2021-12 | 3 |  | construction >100% equity |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5%, construction >100% equity | reserve under noncurrent, capital falling |
| 2022-06 | 5 |  |  |
| 2022-09 | 4 |  | NIM <2.5% |
| 2022-12 | 4 |  |  |
| 2023-03 | 2 |  | leverage <7%, AOCI drag >20% of equity |
| 2023-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 6 | AOCI drag >20% of equity |  |
| 2023-12 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, AOCI drag >20% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | deposits shrinking |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 2 |  | deposits shrinking |

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

- 2026-06-30 [Talbert reflects on 55 years of banking | Mcminnville - Herald-Citizen.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxNQ1JtNFBkeS1iWllfVVhWS1N2dUpjM0RPRnJnUm44eTNqZ2pwODNHRVhzU3RzX3VkakFXbVlNUUVJYzBnMGRVYXJYWmJkZHBNVDZlWlN4dno0TXRmZmsyQ0xyTEFyMVY1dUFEUXNmdkJaUlY0MlhmbGxVVTNQQjUyOU84STNFa2RPVDJKTTRydGM0RlhZa2lucnJmTWlXZ1hEMS1lbms1aFpUYkQ3c2FGUXlFa1cxVm81Ul9XOGFRaW1kajc3NXpIN0pobUI?oc=5) · Herald-Citizen.com
- 2026-02-11 [Who made the cut? Leadership Warren County class of 2026 - Upper Cumberland Business Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNaXYzdERWU1p1ZWkzaFBTY21DQkdYaWVpUHdWY3kzUFhBRTFzQWUxbk9kS2diVXNRZmhqVnJtV3owX293enpfclJlbkU5dUJsQnF6YXdZQ3JrbUptUmxaaHI1Uy03VkwxSUhKdl9WaXFEcFBQdjNwWENCbGlLTVkySGQxd3lOM3R2dE5Z?oc=5) · Upper Cumberland Business Journal
- 2023-06-15 [Accu-Router founder Todd A. Herzog has died - Woodworking Network](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQcmJEU3lIbk4xUVFjRVgybHVFUVJrRi0xcWpacW1YU0wtUENmblozS2ZrcjZwRDJVVWlBLVpXczdLLTJlMEYwM2ZQdDFtLUNEcXRHZS1ZeXVsRkdMUHVjV2g5WS1KRzFfMG9uTEQ1a2FVbU9BOW14S3RXcFJFUEVZZUUyTmZ4U1B1VDVERVVHVVhmT2dzeFF5emtEOXJ2VXgyTmVERkNTal9Mdw?oc=5) · Woodworking Network
- 2017-03-18 [Jennifer Hayes Laxson Starkey Obituary Mar 18, 2017 - High Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5PRXVaMmszZjN3NFZ3MV92aHBHZk1sQXRKZ3hmZ0NyRkY3b3JUbWhlbm5jVG9jOURkdXRQdWR3dndhU1RURWFnemVuU1lEUzVvWC1kV2k5Uml0RGJOOVVZ?oc=5) · High Funeral Home
- 2022-04-06 [Cannon Runs for Children Kicked Off Child Abuse Prevention Month - WGNS Radio](https://news.google.com/rss/articles/CBMipwFBVV95cUxQMzJOdnQ2bXpEdGEwZG5sbEIxazBCMDR3NmxkQkJaeWhUZmt1bGtGZGg3LVZpWWZZa0x2a3JTSUpxcUQ5Ukt2aDlzM1daUHRmQ0IyaDdOSHUyUXpteFRhai1Ockl3N1BWVHVsQ3p5NmtZSzJrMlFkN05CcE5NNzRuRGVmV21MS3pYY3RlNGlZSDFpZzkzemFwMkY4N1FpTFVNU3dNbGw5d9IBrAFBVV95cUxPaVV5a09TX1VGZ1NrOVQ5c1ZVeEdtM1ZkQnVEemNDTnNpMnhYZnA3d1Q3QWd6andlbVFsbVlFcGRkcVg1RjQ2T0M5MG5KTUpQRHZXZFVNYVY5WkItdjZ4Y0lSX1Fsd3VSMXllejJ2d3pUSURGVzdHUXR6MHp1RXlqWGdSNjlPek1RMHJ2M3E0d0UyZEE0U2tYZ2Q0TU9yTHZESEZJVl9LSTl6UHhC?oc=5) · WGNS Radio
- 2025-11-20 [Warren County Arts & Crafts Fair set to bring in thousands this weekend | Mcminnville - Herald-Citizen.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNRmt1YVBObUJnUlZZSW5wbTdxcXF3c2VYQXdoS0pBSThWTjdMZXQtOE02ODhSSGUtXy04d1I5Nl9sU09lZGM5TFA1STZUckx5M1VnbVVGX2RkM2VFb3JWRFpmblFaUDNzQ0ZxX1VhMDc1bnJYQTNod3ZBY3JtOUh4aWZ6QkZQNzRJRVV5YU5zelhxUUVrM3ZWVHlIQmlzQjZhb3Z2NVhtZGNoclItQWgzUHNtalAwNm9MZDVhWnRpSEl0a3ZiVldOTXNyaDVxMHZldUdoek5sYm1MWEJZM0NpVEV1WnVTWDYyUm1ieXRGNlM2N19m?oc=5) · Herald-Citizen.com
- 2012-09-11 [Mark Anthony REEP Obituary Sep 11, 2012 - High Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE14U3U2WDNKQWZ3dUNYYkptVGx6NDFfQ1ZQT1ZCZ085M1J4RDloRjYyTmZaOEFSb1BvdlpXcDBBTXoyWHR1MllaUlIwT1QxaXlQWG5yLU9GdHV5Nm5BaVo0?oc=5) · High Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57632 (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/32.json (key "57632", 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