# HOMETOWN COMMUNITY BANK
BRASELTON, GA · FDIC certificate 57928 · asset band <$300M · latest filing 2012-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 13 (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 | $124.6M | |
| Deposits | $108.9M | |
| Loans and leases | $63.8M | |
| Total equity | $-5.3M | |
| Loans / deposits | 54.35% (p24 of band) | 69.20% |
| Liquid assets / assets | 38.25% (p57 of band) | |
| Uninsured deposits / deposits | 5.51% (p31 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 16.46% (p94 of band) | |
| FHLB advances / assets | 16.46% | |
| Tier 1 leverage | -3.97% (p0 of band) | 10.13% |
| Unrealized securities loss / equity | – | 3.81% |
| AOCI / equity | – | |
| ROA (annualized) | -12.78% (p0 of band) | 0.80% |
| Net interest margin | 1.93% (p3 of band) | 3.77% |
| Efficiency ratio | 801.17% (p100 of band) | |
| Noncurrent loans | 20.23% (p100 of band) | 1.27% |
| Net charge-offs (annualized) | 6.74% (p100 of band) | |
| Reserve coverage of noncurrent | 35.35% | |
| Real estate % of loans | 94% | |
| Construction % of loans | – | |
| Auto loans | $231,000 (0.36% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | -3.3% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 10 | wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 10 |  |  |
| 2011-09 | 10 |  |  |
| 2011-12 | 8 |  | leverage <5% |
| 2012-03 | 8 | uninsured deposits leaving | wholesale funding >15% |
| 2012-06 | 15 | wholesale funding >15%, leverage <5%, capital falling, charge-offs p90, deposits shrinking, assets shrinking |  |
| 2012-09 | 13 |  | construction >100% equity, deposits shrinking |

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

- 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
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2017-06-30 [Certus dream team gets its wake-up call - American Banker](https://news.google.com/rss/articles/CBMigAFBVV95cUxNelZaNGR3WjgtSDV4QWt4RHJObVZCNjFFWnBsLXgyaWVRbXQ4U3U0OTFzNFFsaXl4UExxR0xnLUcyWDR5bU0zUWtSTlNRWTQ5ZUszU2gweURGQVlyWVcySlpCQWNHZEJvX2piWUo3YjJSTFhYRmpGbjRMSFpNODktWA?oc=5) · American Banker
- 2011-08-20 [HeritageBank takes over First Southern - Statesboro Herald](https://news.google.com/rss/articles/CBMihAFBVV95cUxOSExIU2dkNHNrTmQ4Z1dMRnVFdW9oZ2hyU2p6UTZnMUE0VUtHNGNUeXUyR2wyZmZZTmhnaVQ1REtXQ0g4N1ViT3ZOYXdPQjJYUkMtMjZ0dkd5SG8yV0ZNeTA2bWx5bThSOU5SMXJWUGVCRW5ZcnlldHA5YklPV2xfS1AyeVI?oc=5) · Statesboro Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57928 (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/8.json (key "57928", 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