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Hometown National Bank

La Salle, IL · Cert 3691 · Lasalle Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

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.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

43

Q2 2024Q2 2026peer median

Efficiency

50

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hometown National Bank

La Salle, IL · Cert 3691 · Lasalle Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$307.2MAssets
$153.3MLoans
$265.8MDeposits
$33.9MEquity
Loan mix
76%RE $113.2M24%C&I $35.2M1%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $196.8M26%Noninterest $69.0MQ2 2025Q2 2026

NIM

4.15%Q2 ’244.26%Q2 ’254.26%Q2 ’26+9%+6%

Non-interest income vs. expense

2.62%Q2 ’242.48%Q2 ’252.59%Q2 ’26-12%+17%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #123 of 147 inst. · $0.1B of $630.7B

4.5% La Salle
0.4% Will

Executive Summary

  • Earnings: ROA of 1.07%, down 4 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.17% of loans (-3 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 11.30%, up 122 bps from a year ago.
  • Funding: loans stand at 57.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+18 bps YoY

Efficiency Ratio (YTD, annualized)

65.02%+195 bps YoY

Tier 1 Leverage Ratio

11.30%+122 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.15%1.17%0.94%1.07%-4 bps
Return on Equity12.04%12.27%12.25%9.06%10.13%-191 bps
Net Interest Margin2.88%2.93%2.92%2.97%3.06%+18 bps
Efficiency Ratio63.07%62.31%61.50%68.65%65.02%+195 bps
Non-Interest Burden1.43%1.45%1.43%1.77%1.67%+24 bps
Growth
Asset Growth (YoY)4.56%0.90%-1.51%-1.92%-4.93%-948 bps
Loan Growth (YoY)-6.63%-7.48%-3.91%-1.01%1.72%+835 bps
Deposit Growth (YoY)4.53%0.90%-2.12%-3.47%-6.70%-1,122 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.20%0.16%0.19%0.17%-3 bps
Net Charge-Offs / Loans0.01%0.00%0.03%-0.02%-0.02%-3 bps
Allowance / Loans1.32%1.34%1.31%1.31%1.28%-4 bps
Allowance Coverage of NPLs6.5x6.7x8.0x6.9x7.5x+1.0x
Capital
Tier 1 Leverage Ratio10.08%10.28%10.49%10.95%11.30%+122 bps
Total Risk-Based Capital19.07%19.92%20.64%20.62%20.31%+123 bps
Equity / Assets9.29%9.60%10.30%10.43%11.02%+172 bps
Liquidity & Funding
Loans / Deposits52.89%51.46%53.42%53.64%57.66%+477 bps
Liquid Assets / Assets10.31%12.20%10.85%10.45%8.17%-214 bps
CRE / Total Capitaln/a236%230%224%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hometown National Bank

La Salle, IL · Cert 3691 · Peer group: banks under $1B in assets in IL (n=149-151) · Lasalle Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$307.2MAssets
$153.3MLoans
$265.8MDeposits
$33.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 79% of banks under $1B in assets in IL (rank 33 of 149).
  • Widest gap: net interest margin trails 74% of banks under $1B in assets in IL (rank 111 of 151).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.10%

Rank 67 of 151

Net Interest Margin

3.06%

Rank 111 of 151

Efficiency Ratio

65.02%

Rank 77 of 151

Equity / Assets

11.02%

Rank 61 of 151

Non-interest income vs. expense

$2.9M$8.2MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 50% of banks under $1B in assets in IL
Bank 65.02%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.70%1.03%1.34%Beats 56%67 / 151
Return on Equity9.98%6.74%9.34%12.94%Beats 56%66 / 151
Net Interest Margin3.06%3.02%3.43%3.83%Beats 26%111 / 151
Efficiency Ratio65.02%54.64%64.89%72.50%Beats 50%77 / 151
Asset Quality
Nonperforming Loans / Loans0.17%0.20%0.66%1.77%Beats 79%33 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 79%33 / 149
Capital
Tier 1 Capital Ratio19.25%11.83%14.17%18.66%Beats 77%34 / 151
Total Risk-Based Capital Ratio20.31%12.22%14.54%19.92%Beats 77%35 / 151
Equity / Assets11.02%9.10%10.65%12.40%Beats 60%61 / 151
Liquidity & Funding
Loans / Deposits57.66%54.39%71.02%80.75%30th pctl104 / 149
Loans / Assets49.88%45.91%61.31%68.01%32nd pctl102 / 151
Brokered Deposits / Depositsn/aNot reported for this institution