Flanagan State Bank
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Data as of · sourced from FFIEC call reports. How we update
Flanagan State Bank is an FDIC-insured commercial bank headquartered in Flanagan, IL, established in 1913 (FDIC certificate 11734), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $300.3M, down 2.4% from Q2 2025, the 155th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 12.80% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11734
- Headquarters
- Flanagan, IL
- Established
- 1913
- Total assets, Q2 2026
- $300.3M
- Assets vs Q2 2025
- -2.4%
- CET1 ratio, Q2 2026
- 12.80%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 071118264
- Holding company
- HOMETOWN FINANCIAL GROUP, INC.
- Asset rank in state
- 155th of 319 in Illinois
Flanagan State Bank spends more to run itself than most banks of its size. Its balance sheet stood at $300 million at June 30, 2026, down 2.4% from a year earlier; it is based in Flanagan, Illinois. It spends about 90 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $0.49 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
Earnings fell sharply: quarterly net income of $363,000 was 49% below a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.23% of loans from 0.78%. Where it has less room is capital: it funds 9.59% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Flanagan State Bank reported a CET1 capital ratio of 12.80%, a return on assets of 0.49%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 2.40%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Flanagan State Bank is the 155th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.2% to $300.3M, loans rose 0.1% and deposits fell 4.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.2% of total loans, ahead of agricultural production loans at 19.3%. Its 8 offices in the FDIC Summary of Deposits are in 8 cities across 2 states; its Flanagan office books 29% of its branch deposits. Judged on its Q2 2026 call report, Flanagan State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 W Falcon Hwy, Flanagan, IL 61740
- County
- Livingston
- Metro Area
- Pontiac, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 132
- Domestic deposits
- $277.0M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $93K
- Average total assets
- $298.1M
- Average total loans
- $178.9M
- Average interest-bearing deposits
- $242.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11734
- Fed RSSD
- 979133
- SEC CIK
- 1037653 → filed by HOMETOWN FINANCIAL GROUP, INC.
- Website
- www.flanaganstatebank.com →
- Parent Holding Company
- HOMETOWN FINANCIAL GROUP, INC. (RSSD 2494153)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Flanagan State Bank's total assets ranged from $274.0M (Q3 2023) to $313.4M (Q1 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$300.3M total assets against $307.6M; $280.2M total liabilities against $291.6M.
$181.8M net loans and leases against $187.0M; $277.0M total deposits against $273.8M.
$93.2M securities against $97.3M; $8.0M cash and balances due against $6.4M.
$3.6M total interest income against $3.6M; $1.1M total interest expense against $1.3M.
$2.5M net interest income against $2.3M.
$3.1M total noninterest income against $3.5M; $5.1M total noninterest expense against $5.1M.
$63K provision for credit losses against $45K.
$363K net income against $716K.
0.49% return on assets against 0.91%; 3.47% net interest margin against 3.33%.
12.80% CET1 capital ratio against 12.34%; 9.59% tier 1 leverage ratio against 8.72%.
Inside the full Flanagan State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFlanagan State Bank rankings
Its closest position to the top of a national ranking is 2,098 of 3,640, for Texas Ratio; its furthest is 3,478 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.09% (Q3 2024) to 0.93% (Q4 2025) and its net interest margin ran from 2.70% (Q3 2024) to 3.47% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.80% | 0.49% | 0.23% | 2.40% | 3.47% |
| Q1 2026 | 13.22% | 0.21% | 0.15% | 1.69% | 3.31% |
| Q4 2025 | 11.92% | 0.93% | 0.17% | 1.56% | 3.41% |
| Q3 2025 | 12.08% | 0.55% | 0.65% | 5.60% | 3.25% |
| Q2 2025 | 12.34% | 0.91% | 0.84% | 8.51% | 3.33% |
| Q1 2025 | 12.90% | 0.02% | 0.94% | 9.47% | 2.97% |
| Q4 2024 | — | 0.32% | 0.39% | 3.41% | 2.83% |
| Q3 2024 | — | -0.09% | 0.59% | 2.73% | 2.70% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Flanagan State Bank (main office) | Flanagan , IL | 61740 | $79.7M |
| Elpaso Branch | El Paso , IL | 61738 | $68.2M |
| Gridley Il Branch | Gridley , IL | 61744 | $40.8M |
| Leroy Branch | Le Roy , IL | 61752 | $33.0M |
| Bloomington Branch | Bloomington , IL | 61704 | $26.2M |
| Benson Branch | Benson , IL | 61516 | $22.7M |
| Flanagan State Bank - Belgrade Branch | Belgrade , MT | 59714 | $5.4M |
| Flanagan State Bank - Pontiac Branch | Pontiac , IL | 61764 | $1.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 174 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,648 applications, 1,140 loans originated, $246.6M originated, across 32 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $192K approved, $192K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Flanagan State Bank
What are Flanagan State Bank's total assets?
As of the Q2 2026 filing, Flanagan State Bank reported total assets of $300.3 million in its FFIEC call report.
Where is Flanagan State Bank headquartered?
It is headquartered in Flanagan, IL, United States.
When was Flanagan State Bank founded?
It was established in 1913, per the FDIC institution directory.
Is Flanagan State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11734). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Flanagan State Bank?
Flanagan State Bank's primary federal regulator is the FDIC.
What is Flanagan State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.80% in its Q2 2026 call report, above regulatory requirements.
How many branches does Flanagan State Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Flanagan State Bank's Texas Ratio?
Its Texas Ratio is 2.40% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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