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 | |