# HOME NATIONAL BANK
RACINE, OH · FDIC certificate 6680 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $95.0M | |
| Deposits | $84.0M | |
| Loans and leases | $57.5M | |
| Total equity | $8.6M | |
| Loans / deposits | 67.25% (p40 of band) | 73.59% |
| Liquid assets / assets | 31.82% (p48 of band) | |
| Uninsured deposits / deposits | 23.52% (p64 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.70% (p57 of band) | |
| FHLB advances / assets | 1.70% | |
| Tier 1 leverage | 10.46% (p31 of band) | 11.76% |
| Unrealized securities loss / equity | -15.76% (p29 of band) | -6.57% |
| AOCI / equity | -1.33% (p21 of band) | |
| ROA (annualized) | 0.90% (p35 of band) | 1.17% |
| Net interest margin | 5.00% (p90 of band) | 3.93% |
| Efficiency ratio | 77.33% (p74 of band) | |
| Noncurrent loans | 2.43% (p89 of band) | 0.36% |
| Net charge-offs (annualized) | 0.17% (p91 of band) | |
| Reserve coverage of noncurrent | 69.77% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 56.51% (p83 of band) | |
| Auto loans | $2.8M (4.83% of loans; DQ 3.10%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

## 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
- 2023-12-09 [Home National Bank branching out with Ravenswood location - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMisgFBVV95cUxPM2VJM0ZZVHBtUHlxUDNsSDE1Q0lYNzQxV2ZhVnRvS2pCSzRpV0hFSWV2ZVNIbUNCVUpwTjlKV1hZanM2ZE9iQ0JUeXFNQ2V1a29lT0dFZDY1eWdMX0JWYm5rcmRjdlVTMlBkM1BVTjZsUWdiM1JOQk1yOVhpRFRoeWpZWWhhcjk4U1RYNlI5V1lHb2RxRmpWc1FFbktfM2hoZ1RHeWlzLVVnbENFQzlsREhn?oc=5) · The Parkersburg News and Sentinel
- 2010-11-06 [Intrust sues ex-owners of defunct Okla. bank - Wichita Eagle](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1Ld0hBX0NIU1ZCT3g3ckxvMGUyX0MzcUMxbHlkYUVmeEJuUzFxMDdmZnA2bGtmbVNoX1ZSRWRvd3MxMUJiNGc5QkZoSy1Ob2ZkbnFmY044R2lHTVlYZEtXVWUxZWFRUVHSAWdBVV95cUxQdUI4VjE5UHFIVWZkVXh6SUxLZXJOX3Z6MmNDemtfaW5VUkUzb2Nwck1iWkNzQ2hER1A5T2xHZjNVX2pnZWRaZ0NhOTd0bVk5a25rMVlUcHpmWnhuRk4xak1Fb1p3VERV?oc=5) · Wichita Eagle
- 2021-04-01 [50 years ago, everybody went to downtown Plymouth for banking - Wicked Local](https://news.google.com/rss/articles/CBMizgFBVV95cUxQMXFMdnVVN1IzNHpLZ3FicVhuQXlGWWt6RUpWNmpIbUZrNS1XblRNb3NURnhCTTJUUlZyX3p4MWdFTjRzQVR6Nk9NY09XWVRmVVBSZEYzaGNkd21Bc3F5dVp6UDdsNERJOFMxZ3VBaDhIM0lrRU9HZGhuNFh6Sk1wUVRKbElQT3ZUTkJ0SkJWdThTczZoYjFsRzRxNGdmaklSWEtVWVYzX2licnhSNF8zQUxlOXZpQlZZQTZ6Z252WHB6RnhmeDR4aWhYaDJ3QQ?oc=5) · Wicked Local
- 2025-12-04 [Paula "Janie" Fitch Obituary (2025) - Coolville, OH - White Funeral Home (White_Schwarzel) - Coolville - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQSWNZVERtbzg3cDJvZFViUS1XMkdGNTJwTHZxU29xMldHWmdPRVlDRlNzQjRWOWJSRk96OVNjNGxyRWJpTHQ1aF90TU44LUQ4YWhYWjJVd3R6bW1uZlYyR05LSTJLVlZKWk5EdWV0d1pEa1F5b3pOd0JZcklEQ2ZydE15N1I3eGs?oc=5) · legacy.com
- 2018-05-14 [BANKING: CNB: Winters new market president - examiner-enterprise.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOR0J2OVZ2ckdLNmt5VUEwdXJ6a3REdGdMVXlrU1JCa3lpdkx1bXFBSC11R1NlT2hDeXlab0tBQzVLc3djdjgtRk11RE9jR2tTcVZvZDhGVkYzT0FnNVBZZDlkQWFmS3h0QmtmelQ1b1g5dU93bU5UTFpYdEdING5OUndwNHRUZnZpNXVmTWd5ZXhkQ0UwWXFROHVUSTFER191TUk5T2IyaHlFbmc?oc=5) · examiner-enterprise.com
- 2023-09-24 [This Museum Concept Wants to Bring the Spirit of Catskill Resorts Back to Life - Hudson Valley Magazine](https://news.google.com/rss/articles/CBMia0FVX3lxTE9pRzRNUjJ5b25nMVktVzBxT0ZaRzZ5aTZSY25rVm0wcXZGeFJhOVptTmlGS2hieTI0SUZMekxBU1ByMng3dFUtMm05eVVfUUVReGtJTlNzbTJpQlZNcFRsRnlhOFNOSXFTUURZ?oc=5) · Hudson Valley Magazine
- 2026-07-22 [Reliving memories & moments in the Catskills - The River Reporter](https://news.google.com/rss/articles/CBMikAFBVV95cUxOSG91Y3M0ZEFyaWJCSkl6RXJLZDg2YXkwUGJURWNRZ284QUw4MlJZQU9jZWhSUWk4Qkx3bVY1TXlyYnFHWGxseFB4YmdCMEJ2aDhjWVl5NHdEVXhleHpBZ2x2bXVHWnNVT181N3ZzTWs1YVBnano1d19fZXhwb0RXWV85U3lyaVprM0d3bzZxT1Y?oc=5) · The River Reporter

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6680 (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/24.json (key "6680", 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