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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 0.42%, down 32 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.23% of loans (-61 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

0.42%-32 bps YoY

Net Interest Margin (quarter, annualized)

3.37%+39 bps YoY

Efficiency Ratio (quarter, annualized)

91.17%+462 bps YoY

Tier 1 Leverage Ratio

9.59%+87 bps YoY

NIM

4.20%Q2 ’244.57%Q2 ’254.87%Q2 ’26+20%+13%

Non-interest income vs. expense

6.39%Q2 ’246.45%Q2 ’256.91%Q2 ’26+17%+36%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.09%0.27%0.02%0.74%0.45%0.76%0.22%0.42%-32 bps
Return on Equity-1.80%5.29%0.47%14.58%7.93%12.08%3.40%6.37%-821 bps
Net Interest Margin2.45%2.55%2.78%2.98%2.97%3.11%3.02%3.37%+39 bps
Efficiency Ratio99.95%93.29%97.96%86.56%90.02%85.91%93.83%91.17%+462 bps
Non-Interest Burden2.47%2.16%2.69%2.01%2.30%2.11%2.63%2.73%+72 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%0.03%-0.05%0.00%0.00%0.00%0.21%-0.01%-1 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