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Flanagan State Bank

Flanagan, IL · Cert 11734 · Hometown Financial Group Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

41

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

20

Q2 2024Q2 2026peer median

Efficiency

6

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Flanagan State Bank

Flanagan, IL · Cert 11734 · Hometown Financial Group Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$300.3MAssets
$183.6MLoans
$277.0MDeposits
$20.1MEquity
Loan mix
88%RE $129.9M10%C&I $14.7M2%Consumer $3.0MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $239.1M14%Noninterest $37.9MQ3 2024Q2 2026

Market Position · Bloomington, IL · 2026 SOD (annual) · 2.2% share · #9 of 26 inst. · $0.1B of $4.6B

2.2% McLean
9.3% Woodford
5.6% Livingston
0.1% Gallatin

Executive Summary

  • Earnings: ROA of 0.34%, down 5 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.23% of loans (-61 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 9.59%, up 87 bps from a year ago.
  • Funding: loans stand at 66.28% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.34%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+44 bps YoY

Efficiency Ratio (YTD, annualized)

92.48%+93 bps YoY

Tier 1 Leverage Ratio

9.59%+87 bps YoY

NIM

4.10%Q2 ’244.46%Q2 ’254.86%Q2 ’26+15%+15%

Non-interest income vs. expense

5.94%Q2 ’246.08%Q2 ’256.90%Q2 ’26+21%+19%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.24%0.25%0.02%0.39%0.41%0.50%0.22%0.34%-5 bps
Return on Equity5.03%5.22%0.47%7.80%7.76%9.08%3.40%5.16%-264 bps
Net Interest Margin2.43%2.44%2.78%2.87%2.87%2.92%3.02%3.31%+44 bps
Efficiency Ratio94.24%94.01%97.96%91.56%91.02%89.64%93.83%92.48%+93 bps
Non-Interest Burden2.08%2.08%2.69%2.34%2.30%2.24%2.63%2.78%+44 bps
Growth
Asset Growth (YoY)8.52%5.05%7.55%4.82%4.30%6.01%3.45%-2.38%-720 bps
Loan Growth (YoY)19.32%20.05%14.33%13.81%10.55%10.82%4.66%-2.69%-1,650 bps
Deposit Growth (YoY)2.42%3.27%7.61%6.81%9.19%4.93%3.63%1.16%-565 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.39%0.94%0.84%0.65%0.17%0.15%0.23%-61 bps
Net Charge-Offs / Loans0.01%0.01%-0.05%-0.03%-0.02%-0.01%0.21%0.10%+13 bps
Allowance / Loans0.85%0.86%0.90%0.86%0.90%0.91%0.94%0.95%+8 bps
Allowance Coverage of NPLs1.4x2.2x1.0x1.0x1.4x5.3x6.4x4.2x+3.1x
Capital
Tier 1 Leverage Ratio8.66%8.63%8.58%8.72%8.64%8.78%8.86%9.59%+87 bps
Total Risk-Based Capital8.66%8.63%13.66%13.07%12.82%12.66%14.03%13.60%+54 bps
Equity / Assets5.46%4.70%4.93%5.18%6.14%6.38%6.47%6.68%+150 bps
Liquidity & Funding
Loans / Deposits67.97%66.61%62.53%68.89%68.82%70.35%63.15%66.28%-262 bps
Liquid Assets / Assets0.60%0.34%0.19%0.31%0.21%0.31%1.29%0.45%+13 bps
CRE / Total Capitaln/an/an/an/a138.33%135.66%138.93%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Flanagan State Bank

Flanagan, IL · Cert 11734 · Peer group: banks under $1B in assets operating regionally (n=94) · Hometown Financial Group Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$300.3MAssets
$183.6MLoans
$277.0MDeposits
$20.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 69% of banks under $1B in assets operating regionally (rank 30 of 94).
  • Widest gap: equity / assets trails 95% of banks under $1B in assets operating regionally (rank 89 of 94).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.35%

Rank 83 of 94

Net Interest Margin

3.31%

Rank 79 of 94

Efficiency Ratio

92.92%

Rank 89 of 94

Equity / Assets

6.68%

Rank 89 of 94

Non-interest income vs. expense

$12.3M$20.6MINCOMEEXPENSE
Unfavorable gap of $8.3M · efficiency ratio beats 6% of banks under $1B in assets operating regionally
Bank 92.92%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.35%0.82%1.19%1.46%Beats 12%83 / 94
Return on Equity5.17%7.85%11.84%14.03%Beats 15%80 / 94
Net Interest Margin3.31%3.42%3.81%4.18%Beats 16%79 / 94
Efficiency Ratio92.92%55.99%62.41%73.02%Beats 6%89 / 94
Asset Quality
Nonperforming Loans / Loans0.23%0.19%0.47%1.14%Beats 69%30 / 94
Net Charge-Offs / Loans0.06%0.00%0.02%0.05%Beats 24%72 / 94
Capital
Tier 1 Capital Ratio12.80%10.28%11.95%15.07%Beats 59%39 / 94
Total Risk-Based Capital Ratio13.60%10.31%12.59%15.88%Beats 59%39 / 94
Equity / Assets6.68%8.98%10.21%11.41%Beats 5%89 / 94
Liquidity & Funding
Loans / Deposits66.28%72.62%84.44%94.55%14th pctl81 / 94
Loans / Assets61.14%62.50%72.84%78.99%19th pctl76 / 94
Brokered Deposits / Depositsn/aNot reported for this institution