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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.41% | 0.50% | 0.22% | 0.34% | -5 bps | |
| Return on Equity | 7.80% | 7.76% | 9.08% | 3.40% | 5.16% | -264 bps | |
| Net Interest Margin | 2.87% | 2.87% | 2.92% | 3.02% | 3.31% | +44 bps | |
| Efficiency Ratio | 91.56% | 91.02% | 89.64% | 93.83% | 92.48% | +93 bps | |
| Non-Interest Burden | 2.34% | 2.30% | 2.24% | 2.63% | 2.78% | +44 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.82% | 4.30% | 6.01% | 3.45% | -2.38% | -720 bps | |
| Loan Growth (YoY) | 13.81% | 10.55% | 10.82% | 4.66% | -2.69% | -1,650 bps | |
| Deposit Growth (YoY) | 6.81% | 9.19% | 4.93% | 3.63% | 1.16% | -565 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.84% | 0.65% | 0.17% | 0.15% | 0.23% | -61 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | -0.01% | 0.21% | 0.10% | +13 bps | |
| Allowance / Loans | 0.86% | 0.90% | 0.91% | 0.94% | 0.95% | +8 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.4x | 5.3x | 6.4x | 4.2x | +3.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.72% | 8.64% | 8.78% | 8.86% | 9.59% | +87 bps | |
| Total Risk-Based Capital | 13.07% | 12.82% | 12.66% | 14.03% | 13.60% | +54 bps | |
| Equity / Assets | 5.18% | 6.14% | 6.38% | 6.47% | 6.68% | +150 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.89% | 68.82% | 70.35% | 63.15% | 66.28% | -262 bps | |
| Liquid Assets / Assets | 0.31% | 0.21% | 0.31% | 1.29% | 0.45% | +13 bps | |
| CRE / Total Capital | n/a | 138.33% | 135.66% | 138.93% | n/a | n/a | |