Morton, IL · Cert 18429 · Hometown Cmty Bcorp Employee STK Ownership PLAN&TR
State charter, non-member · FDIC · 48 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 $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
20
Profitability
51
Liquidity
49
Efficiency
73
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.
Morton, IL · Cert 18429 · Hometown Cmty Bcorp Employee STK Ownership PLAN&TR
State charter, non-member · FDIC · 48 branches
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 34.9% share · #1 of 35 inst. · $3.5B of $10.0B
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 | 1.09% | 1.06% | 1.10% | 1.15% | 1.18% | 1.23% | 1.34% | 1.28% | +13 bps | |
| Return on Equity | 14.68% | 14.15% | 13.46% | 14.01% | 13.94% | 14.04% | 13.65% | 13.27% | -74 bps | |
| Net Interest Margin | 2.72% | 2.75% | 2.83% | 2.89% | 2.96% | 3.06% | 3.23% | 3.27% | +38 bps | |
| Efficiency Ratio | 51.93% | 52.58% | 52.52% | 51.47% | 51.27% | 50.54% | 49.86% | 49.29% | -218 bps | |
| Non-Interest Burden | 1.34% | 1.37% | 1.43% | 1.42% | 1.44% | 1.46% | 1.51% | 1.48% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.94% | -2.48% | -1.00% | 0.00% | -3.38% | -0.75% | -2.60% | -2.16% | -216 bps | |
| Loan Growth (YoY) | 2.62% | 0.62% | -1.62% | 0.44% | 0.58% | -0.87% | -1.17% | -0.85% | -128 bps | |
| Deposit Growth (YoY) | -1.00% | -1.46% | -2.18% | 0.09% | -0.91% | 3.85% | 1.19% | 2.16% | +207 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.82% | 0.71% | 0.68% | 0.62% | 0.65% | 0.68% | 0.62% | 0.81% | +19 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.17% | 0.00% | -0.02% | -0.01% | -0.03% | 0.38% | 0.33% | +34 bps | |
| Allowance / Loans | 1.12% | 1.14% | 1.16% | 1.16% | 1.16% | 1.20% | 1.13% | 1.14% | -1 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.6x | 1.7x | 1.9x | 1.8x | 1.7x | 1.8x | 1.4x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.52% | 9.76% | 10.10% | 9.91% | 10.32% | 10.79% | 10.81% | 10.62% | +70 bps | |
| Total Risk-Based Capital | 13.48% | 13.80% | 14.41% | 13.94% | 14.47% | 14.99% | 15.05% | 14.59% | +65 bps | |
| Equity / Assets | 8.26% | 7.71% | 8.58% | 8.30% | 9.40% | 9.84% | 9.74% | 9.38% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.14% | 80.05% | 78.40% | 77.26% | 77.28% | 76.42% | 76.57% | 74.98% | -227 bps | |
| Liquid Assets / Assets | 4.56% | 2.74% | 3.75% | 3.59% | 2.52% | 3.32% | 2.62% | 3.10% | -50 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 343% | 328% | 323% | n/a | n/a | |
Morton, IL · Cert 18429 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Hometown Cmty Bcorp Employee STK Ownership PLAN&TR
State charter, non-member · FDIC · 48 branches
Q2 2026
Return on Assets
1.28%
Rank 116 of 258
Net Interest Margin
3.27%
Rank 173 of 258
Efficiency Ratio
52.34%
Rank 70 of 257
Equity / Assets
9.38%
Rank 180 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.28% | 0.93% | 1.23% | 1.54% | Beats 55% | 116 / 258 | ||
| Return on Equity | 13.63% | 9.26% | 11.84% | 14.74% | Beats 66% | 88 / 258 | ||
| Net Interest Margin | 3.27% | 3.16% | 3.49% | 3.88% | Beats 33% | 173 / 258 | ||
| Efficiency Ratio | 52.34% | 51.71% | 60.30% | 69.65% | Beats 73% | 70 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.81% | 0.19% | 0.46% | 0.90% | Beats 28% | 188 / 258 | ||
| Net Charge-Offs / Loans | 0.17% | 0.01% | 0.02% | 0.07% | Beats 11% | 230 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.59% | 11.41% | 12.98% | 15.12% | Beats 59% | 105 / 258 | ||
| Total Risk-Based Capital Ratio | 14.59% | 12.10% | 13.91% | 16.08% | Beats 58% | 109 / 258 | ||
| Equity / Assets | 9.38% | 9.09% | 10.24% | 11.72% | Beats 30% | 180 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.98% | 73.24% | 86.34% | 95.95% | 27th pctl | 188 / 258 | ||
| Loans / Assets | 66.18% | 63.01% | 72.27% | 78.40% | 31st pctl | 179 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||