Grand Island, NE · Cert 20488 · Hometown Banc Corp.
State charter, Fed member · FED · 1 affiliate bank · 16 branches (18 in holding)
Q2 2026
Market Position · Grand Island, NE · 2026 SOD (annual) · 28.3% share · #1 of 22 inst. · $1.0B of $3.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.84% | 1.11% | 1.39% | 1.18% | 1.02% | 1.20% | 1.14% | -25 bps | |
| Return on Equity | 12.86% | 13.12% | 17.32% | 20.86% | 17.08% | 14.25% | 16.25% | 15.19% | -567 bps | |
| Net Interest Margin | 2.24% | 2.53% | 2.54% | 2.73% | 2.80% | 2.90% | 2.85% | 3.00% | +27 bps | |
| Efficiency Ratio | 61.01% | 62.66% | 48.19% | 53.42% | 52.84% | 60.18% | 52.28% | 55.58% | +216 bps | |
| Non-Interest Burden | 1.19% | 1.43% | 0.99% | 1.25% | 1.26% | 1.57% | 1.27% | 1.46% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.96% | 1.45% | 3.51% | 1.89% | 3.39% | 2.48% | 0.48% | 7.51% | +562 bps | |
| Loan Growth (YoY) | 5.82% | 3.87% | 2.84% | 7.16% | 7.17% | 7.54% | 6.22% | 11.23% | +407 bps | |
| Deposit Growth (YoY) | 7.16% | 6.60% | 8.32% | 6.54% | 2.58% | 1.48% | -0.29% | 7.31% | +77 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.06% | 0.72% | 0.02% | 0.00% | 0.00% | 0.02% | 0.01% | -1 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.13% | -0.62% | 0.00% | -0.01% | 0.00% | 0.00% | +62 bps | |
| Allowance / Loans | 1.45% | 1.46% | 1.46% | 1.46% | 1.46% | 1.46% | 1.46% | 1.40% | -6 bps | |
| Allowance Coverage of NPLs | 27.2x | 24.6x | 2.0x | 79.0x | 367.9x | 450.4x | 79.1x | 198.2x | +119.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.59% | 9.83% | 9.90% | 9.87% | 10.24% | 10.23% | 10.54% | 10.30% | +42 bps | |
| Total Risk-Based Capital | 14.72% | 15.03% | 15.08% | 14.87% | 14.87% | 15.00% | 15.27% | 14.68% | -20 bps | |
| Equity / Assets | 6.58% | 6.24% | 6.59% | 6.72% | 7.16% | 7.20% | 7.61% | 7.37% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.32% | 62.32% | 64.20% | 66.39% | 68.24% | 66.05% | 68.40% | 68.82% | +243 bps | |
| Liquid Assets / Assets | 26.07% | 30.02% | 28.99% | 27.41% | 26.12% | 27.45% | 26.14% | 26.11% | -130 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 270% | 265% | 270% | n/a | n/a | |