# HOME EXCHANGE BANK
JAMESPORT, MO · FDIC certificate 8884 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $130.8M | |
| Deposits | $99.2M | |
| Loans and leases | $53.6M | |
| Total equity | $19.3M | |
| Loans / deposits | 52.02% (p30 of band) | 63.26% |
| Liquid assets / assets | 56.29% (p78 of band) | |
| Uninsured deposits / deposits | 14.49% (p32 of band) | 18.86% |
| Brokered deposits | 6.25% | |
| Wholesale funding | 15.38% (p95 of band) | |
| FHLB advances / assets | 8.79% | |
| Tier 1 leverage | 14.21% (p81 of band) | 10.61% |
| Unrealized securities loss / equity | -3.53% (p5 of band) | 0.71% |
| AOCI / equity | -7.20% (p2 of band) | |
| ROA (annualized) | 4.37% (p98 of band) | 1.03% |
| Net interest margin | 3.07% (p38 of band) | 3.29% |
| Efficiency ratio | 27.06% (p1 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.32% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 78% | |
| Construction % of loans | 1.48% (p22 of band) | |
| Auto loans | $226,000 (0.42% of loans; DQ 4.87%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -29.6% | |
| Employees | 17 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2012-09 | 1 | deposits shrinking |  |
| 2012-12 | 1 | wholesale funding >15% | deposits shrinking |
| 2013-03 | 0 |  | wholesale funding >15% |
| 2013-06 | 2 | wholesale funding >15%, capital falling |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 4 | brokered >10%, AOCI drag >20% of equity |  |
| 2014-03 | 2 |  | capital falling, AOCI drag >20% of equity |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 4 | capital falling, uninsured deposits leaving |  |
| 2016-09 | 2 |  | brokered >10%, uninsured deposits leaving |
| 2016-12 | 2 | brokered >10% | capital falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | AOCI drag >20% of equity |  |
| 2018-12 | 2 |  | AOCI drag >20% of equity |
| 2019-03 | 5 | capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2019-06 | 2 |  | capital falling, deposits shrinking, uninsured deposits leaving |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | NIM <2.5% |  |
| 2020-06 | 2 |  | NIM <2.5% |
| 2020-09 | 3 | deposits shrinking |  |
| 2020-12 | 2 |  | deposits shrinking |
| 2021-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 4 |  | brokered >10% |

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

- 2021-10-21 [Wade Dixon to lead BTC Bank in Jamesport and Gilman City - KTTN](https://news.google.com/rss/articles/CBMihgFBVV95cUxNYS1OcTNGcHdJRTRsdXh1SmliTVZoMlRST0JsX3JKMG9RTEdtZGV0V2JWQWY4MWxWZkFCU2FITWhnR2RObUJNeVloSzVfaEdBNTI0QThyNGdDUkZuZVZTaDRnR2hnei1HN1hwX05paVBtR3dmT2VweHZzVnVOb3ZOaDV5VHpMZw?oc=5) · KTTN
- 2024-06-30 [Woodford G. Spillman Obituary Jan 29, 2013 - Buck Ashcraft San Benito Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTE5uV0FmcmFjZmNSM1ZnQlpwYmZwTFFWRmlwbVZCUHl1b2szUTdMb3FIRFh1Yl8tWGM5VWZfc3prM2VLTEFsVWlaRUVJRzdjdDBkcTNWNDFlN2RDcFRxRzVWR3RFdG5jZllfZnNMWnJuM1JrR3c?oc=5) · Buck Ashcraft San Benito Funeral Home
- 2012-08-23 [Western District of Missouri - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMid0FVX3lxTE0tLVlpLXlZcWhXQzRVamlldnVodU1HRldtRE9SNkxBemltNHQzM2hzaEFWajdUcTRZOEI0MVFPOVNxR0pSVTFQUE5HZ002cGdHMlczSEVRbnJpOHBwRWJxWHN3ZjlSRHd3YVFNLVl3VDV2RU5ZNzc0?oc=5) · Department of Justice (.gov)
- 2024-11-23 [Claude Melvin Eckert Obituary Nov 23, 2024 - Lindley Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTE4tdWhfVGlBU1VqTnpjM3BzVXNqVnRjWU1EQUlmbFVLZFZvTm9YRXVsQ1Y1MU56VVI4SEIzcHZqRVVYVHdGZUgyWE9vZFdzZXd2OVppRjBjQ2FUZW1meGxRamw1NTV1Uzhfb0liYg?oc=5) · Lindley Funeral Homes
- 2022-10-21 [BTC Bank acquires Merchants and Farmers Bank; Community Bank of Marshall picks up The Corder Bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPa2J0NDBWOVFfU0F1ZXZHMEtFbE9MVXJscVhSTy04RFl0VGlELXNZRURkUlhnMjRrRFZrZjh3Q2oxbElDNEt1alduRDlKOWpuR0c2aFl4UFB4OU5kX1pVRjJHY2QxNGlvMGEtLTVaaThjNG1nQ0t3ZHczamU5VDZrWWFxbnVCeTBRR3Raa3FlRHpTSE0tc0FUMURZZnVnMnBORXlfUkdn?oc=5) · The Business Journals
- 2026-08-31 [Randall Keith DeWitt Obituary (2026) - Columbia, MO - Roberson Funeral Home - Bethany - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxNY3B3YVEtZEhnRC10TGpkTkJIbEpOZFFQaTk3T3JKRGRGeGo3VE5WSm05SzRrRWw1U2E3M0Nqb09GSnRIcWVTR0YzS3lUN1hBbTk3dzYzdUxKQTY0SDNnMDI0YmF1NjUtMW1fcFFtUThCVUszY1RWMlhXelBMSVlhc1lsTQ?oc=5) · Legacy obituary
- 2021-09-13 [BTC Bank announces purchase of 1st Cameron State Bank - KTTN](https://news.google.com/rss/articles/CBMigAFBVV95cUxQR0Nkc28ta3E4WE5rQ2pIRkJkX0ZGMWJZOHc3LUVrUEJ6dUc0aVk2TktpeW53UW1SdU03enFOeXcxZnhTVTJBcVNyNWc4SE0tYTZLWmIySmY4UU1kSV85dGx2VnNWVWQ0OFJNZWVnVFZqck1jTm1HWGUzRV9PUFdYNA?oc=5) · KTTN
- 2012-11-20 [Western District of Missouri - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMid0FVX3lxTE1nZUN1aWl6NEtWRDZBYmg0eVhSOG1rSXhRVjBacGlCbUx5LXVHeTRLV1VzMkx5SE50UjVXOGo2TUlEOFNWUE5CdnJQMldZS0dYNDUyV3lERlh6T0xhd3FlQUlrV1JLV3pMZXV0c2R5OUtEYXJ6aHdn?oc=5) · Department of Justice (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8884 (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/52.json (key "8884", 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