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
Unfavorable gap of $8.3M · efficiency ratio beats 6% of banks under $1B in assets operating regionally | 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% | 1.46% | Beats 12% | 83 / 94 | | |
| Return on Equity | 5.17% | 7.85% | 11.84% | 14.03% | Beats 15% | 80 / 94 | | |
| Net Interest Margin | 3.31% | 3.42% | 3.81% | 4.18% | Beats 16% | 79 / 94 | | |
| Efficiency Ratio | 92.92% | 55.99% | 62.41% | 73.02% | Beats 6% | 89 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.19% | 0.47% | 1.14% | Beats 69% | 30 / 94 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.02% | 0.05% | Beats 24% | 72 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 12.80% | 10.28% | 11.95% | 15.07% | Beats 59% | 39 / 94 | | |
| Total Risk-Based Capital Ratio | 13.60% | 10.31% | 12.59% | 15.88% | Beats 59% | 39 / 94 | | |
| Equity / Assets | 6.68% | 8.98% | 10.21% | 11.41% | Beats 5% | 89 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 66.28% | 72.62% | 84.44% | 94.55% | 14th pctl | 81 / 94 | | |
| Loans / Assets | 61.14% | 62.50% | 72.84% | 78.99% | 19th pctl | 76 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |