Flanagan State Bank
Flanagan, IL · Cert 11734 · Peer group: banks under $1B in assets operating regionally (n=100) · 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 70% of banks under $1B in assets operating regionally (rank 31 of 100).
- Widest gap: efficiency ratio trails 95% of banks under $1B in assets operating regionally (rank 96 of 100).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.35%
Rank 88 of 100
Net Interest Margin
3.31%
Rank 84 of 100
Efficiency Ratio
92.92%
Rank 96 of 100
Equity / Assets
6.68%
Rank 93 of 100
Non-interest income vs. expense
Unfavorable gap of $8.3M · efficiency ratio beats 5% 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% | 1.50% | Beats 12% | 88 / 100 | | |
| Return on Equity | 5.17% | 7.96% | 11.91% | 14.16% | Beats 15% | 85 / 100 | | |
| Net Interest Margin | 3.31% | 3.43% | 3.80% | 4.17% | Beats 16% | 84 / 100 | | |
| Efficiency Ratio | 92.92% | 55.88% | 62.41% | 72.90% | Beats 5% | 96 / 100 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.19% | 0.47% | 1.06% | Beats 70% | 31 / 100 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.02% | 0.06% | Beats 25% | 76 / 100 | | |
| Capital |
| Tier 1 Capital Ratio | 12.80% | 10.31% | 12.02% | 14.75% | Beats 60% | 40 / 100 | | |
| Total Risk-Based Capital Ratio | 13.60% | 10.50% | 12.71% | 15.64% | Beats 60% | 40 / 100 | | |
| Equity / Assets | 6.68% | 8.89% | 10.14% | 11.36% | Beats 7% | 93 / 100 | | |
| Liquidity & Funding |
| Loans / Deposits | 66.28% | 73.97% | 83.99% | 92.79% | 13th pctl | 87 / 100 | | |
| Loans / Assets | 61.14% | 62.33% | 70.97% | 78.76% | 20th pctl | 80 / 100 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |