Flanagan, IL · Cert 11734 · Hometown Financial Group Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating regionally (n=99). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
43
Asset Quality
48
Profitability
14
Liquidity
17
Efficiency
5
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.
Flanagan, IL · Cert 11734 · Hometown Financial Group Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Bloomington, IL · 2026 SOD (annual) · 2.2% share · #9 of 26 inst. · $0.1B of $4.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.25% | 0.02% | 0.39% | 0.41% | 0.50% | 0.22% | 0.34% | -5 bps | |
| Return on Equity | 5.03% | 5.22% | 0.47% | 7.80% | 7.76% | 9.08% | 3.40% | 5.16% | -264 bps | |
| Net Interest Margin | 2.43% | 2.44% | 2.78% | 2.87% | 2.87% | 2.92% | 3.02% | 3.31% | +44 bps | |
| Efficiency Ratio | 94.24% | 94.01% | 97.96% | 91.56% | 91.02% | 89.64% | 93.83% | 92.48% | +93 bps | |
| Non-Interest Burden | 2.08% | 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 / Loans | 0.59% | 0.39% | 0.94% | 0.84% | 0.65% | 0.17% | 0.15% | 0.23% | -61 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | -0.05% | -0.03% | -0.02% | -0.01% | 0.21% | 0.10% | +13 bps | |
| Allowance / Loans | 0.85% | 0.86% | 0.90% | 0.86% | 0.90% | 0.91% | 0.94% | 0.95% | +8 bps | |
| Allowance Coverage of NPLs | 1.4x | 2.2x | 1.0x | 1.0x | 1.4x | 5.3x | 6.4x | 4.2x | +3.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.66% | 8.63% | 8.58% | 8.72% | 8.64% | 8.78% | 8.86% | 9.59% | +87 bps | |
| Total Risk-Based Capital | 8.66% | 8.63% | 13.66% | 13.07% | 12.82% | 12.66% | 14.03% | 13.60% | +54 bps | |
| Equity / Assets | 5.46% | 4.70% | 4.93% | 5.18% | 6.14% | 6.38% | 6.47% | 6.68% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.97% | 66.61% | 62.53% | 68.89% | 68.82% | 70.35% | 63.15% | 66.28% | -262 bps | |
| Liquid Assets / Assets | 0.60% | 0.34% | 0.19% | 0.31% | 0.21% | 0.31% | 1.29% | 0.45% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 138.33% | 135.66% | 138.93% | n/a | n/a | |
Flanagan, IL · Cert 11734 · Peer group: banks under $1B in assets operating regionally (n=99) · Hometown Financial Group Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
0.35%
Rank 87 of 99
Net Interest Margin
3.31%
Rank 85 of 99
Efficiency Ratio
92.92%
Rank 95 of 99
Equity / Assets
6.68%
Rank 93 of 99
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.35% | 0.82% | 1.19% | 1.48% | Beats 12% | 87 / 99 | ||
| Return on Equity | 5.17% | 7.92% | 11.87% | 14.08% | Beats 15% | 84 / 99 | ||
| Net Interest Margin | 3.31% | 3.44% | 3.80% | 4.18% | Beats 14% | 85 / 99 | ||
| Efficiency Ratio | 92.92% | 55.83% | 62.41% | 73.02% | Beats 5% | 95 / 99 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.23% | 0.19% | 0.46% | 1.04% | Beats 70% | 31 / 99 | ||
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.02% | 0.06% | Beats 25% | 75 / 99 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.80% | 10.28% | 11.95% | 14.75% | Beats 62% | 38 / 99 | ||
| Total Risk-Based Capital Ratio | 13.60% | 10.45% | 12.59% | 15.64% | Beats 61% | 39 / 99 | ||
| Equity / Assets | 6.68% | 8.89% | 10.14% | 11.36% | Beats 6% | 93 / 99 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.28% | 74.57% | 84.03% | 94.55% | 12th pctl | 87 / 99 | ||
| Loans / Assets | 61.14% | 62.55% | 71.25% | 78.99% | 18th pctl | 81 / 99 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||