# HOMETOWN BANK
ROANOKE, VA · FDIC certificate 58163 · asset band $300M-1B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $562.3M | |
| Deposits | $483.9M | |
| Loans and leases | $461.9M | |
| Total equity | $57.1M | |
| Loans / deposits | 94.64% (p76 of band) | 84.98% |
| Liquid assets / assets | 11.17% (p9 of band) | |
| Uninsured deposits / deposits | 16.22% (p28 of band) | 21.58% |
| Brokered deposits | 2.80% | |
| Wholesale funding | 5.91% (p57 of band) | |
| FHLB advances / assets | 2.79% | |
| Tier 1 leverage | 10.29% (p44 of band) | 10.59% |
| Unrealized securities loss / equity | -1.30% (p27 of band) | -0.32% |
| AOCI / equity | 0.34% (p22 of band) | |
| ROA (annualized) | -0.24% (p1 of band) | 1.08% |
| Net interest margin | 3.64% (p43 of band) | 3.73% |
| Efficiency ratio | 84.97% (p92 of band) | |
| Noncurrent loans | 0.39% (p41 of band) | 0.51% |
| Net charge-offs (annualized) | 0.95% (p99 of band) | |
| Reserve coverage of noncurrent | 216.13% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 84.22% (p83 of band) | |
| Auto loans | $720,000 (0.16% of loans; DQ 5.28%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 80 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

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

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

- 2026-09-03 [Georgia Skyline Team Set to Combine with Highlands Community Bank of Covington, Virginia - citybiz](https://news.google.com/rss/articles/CBMixAFBVV95cUxNQlNIQjN5ekw5MXQ3SzZkLWJVN0wydEFlMC0tZGlsbU9vb3ZCQ2dBZFRrWVJKM012N0t6RGFUbTNRVEhDZXVNU3cwdHBGUnZKLVhEdHN3MmVjMVJ4T2ZJY0lmWERvMGNtdWh5bDlNZHJXemtTcWI3ZDQ3VVZiSkhDbHhCRDFvNTNkeXNtRWtHUVBUVTlOZXBQdEp1d3ZuVzBWYlJuaFhJSDFNSHU1MExBSnVnS0E0MzNsSlZoOVpxNXFQSkcz?oc=5) · citybiz
- 2023-07-25 [AMNB to merge with Atlantic Union - wfirnews.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE5vU0xPMEJrLWxUM2xUTWlsOWl6OUJIXzVEbE9feHpUSnlyX2I0TjB1LVJYSDdfNVlNOVdNcEFmc2NpQWdacDlUQXhUeS00WEZCTHRhVEp5SlM4bGJBeEgwNUFJTExyOFZkWm5V?oc=5) · wfirnews.com
- 2026-08-17 [Sosik leads Hometown Financial, the state’s fastest-growing bank, to new heights - The Boston Globe](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQelVyTVVYYXREN2hOOW55bDdPaEdXZ2FTTGJvUHV4bGw3TEtlOGc0dEhoVExXZ1hiMGFzSm1PU1ZIUUE3cHkyaHVPR0p6VmdndUxhaFhNSXYtVUNlb01JcXVmLVpNNFJmbm81TzNHd1RUaG9CR0JXNWg4WGJPYUNRZVBraXlmLVFtR2Uw?oc=5) · The Boston Globe
- 2017-09-14 [Best banks to 'woof' for - American Banker](https://news.google.com/rss/articles/CBMicEFVX3lxTFAtQVBEUWJ4elJjQlNqMHZQTTB5b2ZvTE14ZTVZVC16dk9mUDIwRGZhQlVrMEVzNEhZMFZhR1JadGpMN2lvNjBiRGY3N1R0Tl9jRUVtVi02SGh2eUVTeHplYktKa015dmNHSlh4TWZNQUE?oc=5) · American Banker
- 2019-05-21 [First Bank & Trust Company Welcomes Rodney Quesenberry - PR Newswire](https://news.google.com/rss/articles/CBMirgFBVV95cUxNUWpEM2ZNZU9kbGxSZ25lM1VfUnM5T2dVeWdDdVUzSFMtTDBDdjRpaFdzN1Q4UlNRMTRiLXR2M2NNWUxwSGlweTU2NFJONklzT0NxM2ZKSzlVeXJCaVBQR0VSZENhcmhZZ3pNVE1kY0JaWmJ6WFNHN0V0UkJhakxWZmJoOXBzS1FhYms5UXg1ODdwS2VDbWxlak1FeEhYeE1BRElzWk10TFloTzNLS1E?oc=5) · PR Newswire
- 2019-04-29 [HomeTown Bank now part of American National Bank & Trust - Roanoke Times](https://news.google.com/rss/articles/CBMihAFBVV95cUxOQklHTG9NQ1dWRlBvUWdfdVFackhkZXpWQkkwQVFmWmF5NUVhaFpjSVQ0TFhzMHlTazA2bjdUUnJSeGV4YmVfOW45TzU4SEdPQ2o5amNZcnhZZ3Q1eTVKN3Z2ck9URndqb1dhS1BQX0F0a3RKVFNIOExzQkZMbEhiT2ozQTU?oc=5) · Roanoke Times
- 2009-03-06 [A Hometown Bank Heeds a Call to Serve Its Islamic Clients (Published 2009) - The New York Times](https://news.google.com/rss/articles/CBMiY0FVX3lxTFAxUkxnaXVUQkJlYnlXb19hbVphYlJuOVRxTmY3LVNCRVEydDRsV2VTeU9ackJON3VfUC1Wc054MmNObFdoSGFzWU5vQXBUVUdUYnRpd0JqQlZ4NzV3X3R3Nm5uOA?oc=5) · The New York Times
- 2023-04-29 [Burke & Herbert Bank Now Trades on Nasdaq - thezebra.org](https://news.google.com/rss/articles/CBMifEFVX3lxTE44RnAtNnBabWVPNGpMbk11OE1kM01KTnR6ekk5RVdkMS0wOXpqRjB0bGJsY0syWWE5dXItUUJWS0p0cWFnTWxCZlV4dVZoYnctbVFuVTR1Q2tncm1QVWhqbmwzR2Y0R0NraVdRSy1MTXZwSnFUTk8yV2I1SnM?oc=5) · thezebra.org

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58163 (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/51.json (key "58163", 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