# BANK OF HAMILTON
HAMILTON, ND · FDIC certificate 9127 · asset band <$300M · latest filing 2020-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $22.8M | |
| Deposits | $20.3M | |
| Loans and leases | $2.4M | |
| Total equity | $2.4M | |
| Loans / deposits | 11.68% (p3 of band) | 68.14% |
| Liquid assets / assets | 87.43% (p98 of band) | |
| Uninsured deposits / deposits | 16.96% (p46 of band) | 17.85% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.20% (p26 of band) | 10.68% |
| Unrealized securities loss / equity | 0.21% (p20 of band) | 2.41% |
| AOCI / equity | 2.27% (p64 of band) | |
| ROA (annualized) | -0.46% (p4 of band) | 0.92% |
| Net interest margin | 0.71% (p1 of band) | 3.52% |
| Efficiency ratio | 129.73% (p98 of band) | |
| Noncurrent loans | 0.00% (p9 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 42% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $317,000 (13.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.5% | |
| Employees | 3 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | capital falling, deposits shrinking, assets shrinking |  |
| 2012-06 | 2 |  | deposits shrinking, assets shrinking |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | uninsured deposits leaving |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | uninsured deposits leaving |
| 2014-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-06 | 2 | deposits shrinking |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | expense ratio p90 | deposits shrinking |
| 2016-03 | 1 |  | expense ratio p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | expense ratio p90 |  |
| 2017-03 | 1 |  | expense ratio p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | expense ratio p90 |  |
| 2018-03 | 2 | capital falling | expense ratio p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | expense ratio p90 | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90 |
| 2019-06 | 3 |  | NIM <2.5% |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 | expense ratio p90 | assets shrinking |
| 2020-03 | 1 | NIM <2.5% | deposits shrinking, uninsured deposits leaving, expense ratio p90 |
| 2020-06 | 2 | expense ratio p90 |  |
| 2020-09 | 3 | losing money |  |
| 2020-12 | 3 |  |  |

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

- 2023-08-31 [Cagle: Parrish council buys bank for new Town Hall - MountainEagle.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNWDBWZmszNVc0Wllub0dpZ0FPdnA3bVVSdUY2ZWZNNzNYQWpKcWxRLTczbXdzQ0s1b3NGSWpQYWdERnZQUjNRU0E4YUt5bkhScWtMTENOYUd4SE5vek1KaFB6Tnl6eDFqUjI1MTJkTlNjbi00WUh6ZmtOZDE1SUFwckVUZWpjVUsyMmxDOWV6ZW1sWE9rUjhxVTZmWnZGT0kyU2hpd2dvb0lzb3ZqTWUwMFFraUJLdUVXODFtTGdvU1RMc0JUSm5zOFlwOTlaWlE?oc=5) · MountainEagle.com
- 2021-10-21 [Rising Stars in Alabama banking - Business Alabama Magazine](https://news.google.com/rss/articles/CBMibEFVX3lxTE5YTGNkQkJLUHNxVlZwdXpGV2FCLWlJUFV0RExIUEh4YndWNGo3OVYxekhUTmtBUXFvdkxmcXNYcWZRSDM0WVRVVlllaHNDZi1yXzlSNm5NMUhKUExpOUh6T3JCUmJIYzFhS09NUw?oc=5) · Business Alabama Magazine
- 2024-08-08 [Rare Bank of Hamilton $20 note with ‘C’ overprint goes to auction - Canadian Coin News](https://news.google.com/rss/articles/CBMilwFBVV95cUxOVUgxTkRUZ09GYjNfa3BkZ1ZNUmFwNlZURURacEFTbUZyOUNiNmo5WGl3U2o5Y2tBNl9aWmJsRl95NEgxenhLXzdIcGZsRHIzamZtek5JUGpuaW43c2IwWS1xeEdsajlLODJJY2FSYU84WGc5eWpqNllzX1FLMHVDWlN4bzVtNjdzWDFqcmxZQ1BCTnkyRC00?oc=5) · Canadian Coin News
- 2020-11-21 [Village of Keeler ends more than a century of existence - MooseJawToday.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxNcy05a21PRTFqRUxyUjI1ZUpPM1duYnllSmpvc3k1UnpMZnFNR0RFaW1qT3RoelFqN3lQTmRLWDU2eWdMWllwUUZjcFRBRnA2eVdBN0lxc1FGcUVMdEN0RFZ0bWoyeDhnUlN6T2pfODJkcjBvUGRmUExwTzBGc0NBYkpDQjNwY2RjTllOYzVZanpBbGtac1BFVkVCWFlsb2cyMUxVWU9uZw?oc=5) · MooseJawToday.com
- 2021-09-30 [First issued example of Bank of Hamilton note expected to bring at least $10K - Canadian Coin News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxObXFBTzZROE5MbV9UeDdGXzNGbElmNkx2cUdhSGtMQ1BENDk1bk92VVRheHI1MU9iMXBvUzJzTmxUa09GeC04aXE0M2JxVGl0TjA4bEpkdUNiWjVyUlNVejBuUGJBVUFEZVRJNVowcDllbG41SDQtS3g3MlA4Z2FXYk1tMkZFWkp1c05IUnoweTRlRTRhN0prLXhXeERFcWRNRzJzaHczLXo?oc=5) · Canadian Coin News
- 2010-07-07 [A Photographic History of Vancouver Banks - BCBusiness](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQYWR3Q0tIb25PNnZqY2xGQ3ZuT2RmcnV2RnhyUFZqUC1jdGEzT1ZTRGd2VkR4a2E4cUVfaW00b1VMU2dtWW9xVlo3ekJQbU1FakNjUFNKYmhUTVliMkVNR2hzY3NSNXczOFRoUDNhR2VNeUt4UmF4azdwR2JZazZ0aG5YSWdrdmZ4?oc=5) · BCBusiness
- 2025-05-02 [Hamilton’s only jazz bar and supper club officially opens its doors - yourcitywithin.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOeDM2ZGJ6ZDdFRlUyRWd5a3hhSmU2OTZzMGlkbmstaFdwczN1cjRBbWxVRWZBbHRyWldlXzFyVHdDME40NXVqcmhUWHhkWklHay1zS2FKbXQyUWR6Y3VORkNCRlZBYzdMZFd5azl6ZXpqRlF5Zk1sSWl4QWNsQ1c5Ukp0dVJqb1ZwbnBzRkhJNG1OYkNON0x6NFJEMndFeGs?oc=5) · yourcitywithin.com
- 2023-12-15 [Iconic Toronto buildings now gutted as work on new subway station begins - blogTO](https://news.google.com/rss/articles/CBMikgFBVV95cUxQSTFUTDBVaHpfbVB2V2RmVFBKTERjcC1kRklCODdFVHFQWW4xc2Y5VklNTWRNcmFLMG04SlhOUjB5QlhGRE5pdHE2YUpJaXVjSTdwaU5EZTItcll1dXJEVXRQek42V3U4a1J3aWZOaS1rNkNzMzVybzFlRVdvdWQ2Q2Nicm1uRi1SNWpaN1JuZm42UQ?oc=5) · blogTO

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9127 (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/39.json (key "9127", 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