# HOMEBANC
TAMPA, FL · FDIC certificate 58194 · asset band $300M-1B · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $909.5M | |
| Deposits | $655.7M | |
| Loans and leases | $597.3M | |
| Total equity | $93.8M | |
| Loans / deposits | 90.52% (p64 of band) | 84.92% |
| Liquid assets / assets | 28.95% (p66 of band) | |
| Uninsured deposits / deposits | 11.88% (p14 of band) | 21.35% |
| Brokered deposits | 4.07% | |
| Wholesale funding | 21.06% (p92 of band) | |
| FHLB advances / assets | 16.99% | |
| Tier 1 leverage | 10.56% (p55 of band) | 10.35% |
| Unrealized securities loss / equity | -6.75% (p13 of band) | -2.32% |
| AOCI / equity | 0.91% (p100 of band) | |
| ROA (annualized) | 0.91% (p38 of band) | 1.05% |
| Net interest margin | 2.83% (p7 of band) | 3.67% |
| Efficiency ratio | 57.81% (p23 of band) | |
| Noncurrent loans | 0.29% (p33 of band) | 0.55% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | 218.82% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 0.42% (p4 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -13.7% | |
| Employees | 85 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2011-09 | 5 | brokered >10%, wholesale funding >15% | loans exceed deposits |
| 2011-12 | 3 |  | brokered >10%, wholesale funding >15% |
| 2012-03 | 4 | brokered >10%, noncurrent p90 | liquid assets <10% |
| 2012-06 | 6 | loans exceed deposits, liquid assets <10% |  |
| 2012-09 | 6 |  |  |
| 2012-12 | 7 | wholesale funding >15% |  |
| 2013-03 | 6 |  | loans exceed deposits |
| 2013-06 | 8 | loans exceed deposits, loans-to-lenders >50% equity |  |
| 2013-09 | 3 |  | brokered >10%, liquid assets <10%, wholesale funding >15%, loans exceed deposits, loans-to-lenders >50% equity |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | NIM <2.5% |
| 2014-06 | 5 | wholesale funding >15%, NIM <2.5%, deposits shrinking |  |
| 2014-09 | 4 | capital falling | NIM <2.5%, deposits shrinking |
| 2014-12 | 5 | loans exceed deposits |  |
| 2015-03 | 3 | brokered >10%, NIM <2.5% | reserve under noncurrent, noncurrent p90, capital falling, loans exceed deposits |
| 2015-06 | 2 |  | brokered >10% |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 1 |  | NIM <2.5% |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | deposits shrinking, assets shrinking |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |

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

- 2026-04-23 [Former HomeBanc execs file to start Tampa's newest bank - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQekt5a3lrSlhxQTNpN1hDamhSNnp2cnJ5LS1ScG5BVmhLNnFWRnJWdURpYnE1WmtubnMyU0lWUXBJSE9HMW0wLXFibHhTY1NjMHpKanR4d3p2UHFsTzdEUEpCYTZhYm5ZUnBBUWt4NU1Za2dWUW16UFB1RFllSnBraERPaFpQanpPd3MyWWdCQ3psWFpvbUw3RkpCWnZtdU0?oc=5) · The Business Journals
- 2018-03-27 [HomeBancorp, Inc. Shareholders Approve Proposed Merger With First Citizens Bank - PR Newswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxQT1RSWXBfMjA2Zk8tdkludHhZOV9KZUZzMzJkMThBNktMX2FYenZhRnJOTUpJdXJLcnpWTVJrOVFCY1FLUjJoXzF2STlLMjV0UkFfTjZLb2VXMkU5UVBLRWtsMm9TN1ZoRmktcHhxM2hIdERDSG5mWUlYSGtiendGbzYwNjQ0Qnl0SXNSeFRxMkY1WGhtWGtNRldpT3c2SmdQTHlzUWdGQUN5UDhTVElNc3V3bGdGWFFvd2NjTFlNOWpFYlAtenJIbXpCOU1odw?oc=5) · PR Newswire
- 2017-09-14 [Best banks to 'woof' for - American Banker](https://news.google.com/rss/articles/CBMicEFVX3lxTFAtQVBEUWJ4elJjQlNqMHZQTTB5b2ZvTE14ZTVZVC16dk9mUDIwRGZhQlVrMEVzNEhZMFZhR1JadGpMN2lvNjBiRGY3N1R0Tl9jRUVtVi02SGh2eUVTeHplYktKa015dmNHSlh4TWZNQUE?oc=5) · American Banker
- 2026-04-29 [Former industry regulators lead group launching new Tampa bank - Business Observer](https://news.google.com/rss/articles/CBMinAFBVV95cUxOMTdfaXZ4NFUyTU5hOEdFclVvNmtvN21ZNlRmQ0tEMTk3QkNiTGd2S3huWjZ5YTc1VHpWUm1DX0Z2Z0htaGppY1hjclY2SWFha1VWZGJtVFNMM2ZyamFzR2FQR1RTWVJIZFV4ZW5zQW9aRWhJcVdENElhMUQxdHFGUklxeVd6elhaYjRlRjFDTGdiMjRUMzJHN3Fhekc?oc=5) · Business Observer
- 2018-05-01 [First Citizens Bank Completes Merger With Homebancorp, Homebanc - GlobeNewswire](https://news.google.com/rss/articles/CBMizwFBVV95cUxQcjNLb09zOVVaQ1ZZdGxldGJEVWFqbWRqb1E3aWYwVWNuVW9sa2lJeXBqTjQ0VWJaUjBxZENWS3pLMUh5ZEVKekVsMzVEenV5b0VQVHFyN3dLZDh3MmxUWjdVZ1BmXzRxZlFtbWdKSjBNM3lFUWlLMXk4MlNPOTNEU1BxOHFib21mVUdJeGxDbjRRaGk0bUZTcmVWZW1Qd1E5aHFBNENJN3QwSzVwbkpNWm9DVjN4UjFtZmZyOHZRLTZqWWN0SUlnWkpVVXNnNE0?oc=5) · GlobeNewswire
- 2017-12-18 [First-Citizens Bank & Trust acquires Tampa-based HomeBancorp - Tampa Bay Times](https://news.google.com/rss/articles/CBMitwFBVV95cUxOVmlNd0ZmbFRlUlZOT2RKUHItT2E2TTZvcEIzSFJpSU9BZk1ra2ZHRWNTUjFYQ19BVWZCMWE4aXlJTU9RU0stQUc3S2JtU0NpTTZkZmUzR1hxZUs4MF81RUVpT1JnX3NHaXFYcTg4b1BnM1gwcEluMHBkbEx6X0UyUkNMbnJ4alB3RjFpa19JTS13YWtQWFVfRXpteVVKQUxUWjdvZkZlN2hQVm1lVUhKb1FMNUVIYU0?oc=5) · Tampa Bay Times
- 2016-11-08 [How HomeBanc's CEO-to-be balances a family and an executive job - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNTGVjbTg2STh1RS1nR2daZGw1eGtLOU43M2JfejlKcUQ1WGVfa2ZnaFNicDVZTVNzYWtOcHNQSEVUQUNyZ3lEVzhmTGJPLVUzM19BekhyTFo4ckF6RFg3VDdvQzJBUl9qZjYzcHFtWWN1akpOTVMyWXVQZFVkUW1aNUVCM1JsVHhuTGVFcTBEdVFRNVFwUzJ4bmJSZi02ZXdGTEhvcFI3LUFHZDg?oc=5) · The Business Journals
- 2017-03-17 [Tampa's HomeBanc offered $1.4 million loan to top executive who filed bankruptcy - Tampa Bay Times](https://news.google.com/rss/articles/CBMivwFBVV95cUxNdTJYNW5QbUR4QjdjTnZSZ3F1Q3BsYUZ3RzhUejJJWUIzTTN5d1IwUHd1cG1IZUVxb0lFb3I5el94V25PU1NXY29WS0lyZmlmbWh2SXFwUkpsUkZxdDZLWjlSRzBnRW4xSS1ZODE4V1FWYVg1TExPbnpfU1FKZ2VyQWdaZUtaVmhZclZXX3EwNUlmSDR2akJpNWstOXVWc21qeUg2UG5CY0VFRUUybmE2VWt4cGhuUlhHV2k1czZQNA?oc=5) · Tampa Bay Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58194 (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/18.json (key "58194", 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