PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

4.21%Q2 ’244.27%Q2 ’254.29%Q2 ’26+12%+5%

Non-interest income vs. expense

2.59%Q2 ’242.46%Q2 ’252.50%Q2 ’26+1%-3%

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 1.20%, up 14 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.17% of loans (-3 bps YoY), with net recoveries of 0.03%.
  • 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 (quarter, annualized)

1.20%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.11%+14 bps YoY

Efficiency Ratio (quarter, annualized)

61.52%-260 bps YoY

Tier 1 Leverage Ratio

11.30%+122 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.22%1.22%0.94%1.20%+14 bps
Return on Equity11.66%12.87%12.26%9.06%11.19%-47 bps
Net Interest Margin2.97%3.09%2.95%2.97%3.11%+14 bps
Efficiency Ratio64.12%60.82%59.03%68.65%61.52%-260 bps
Non-Interest Burden1.59%1.54%1.39%1.77%1.55%-4 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 / Loans0.03%-0.01%0.11%-0.02%-0.03%-5 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