Hometown National Bank
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Data as of · sourced from FFIEC call reports. How we update
Hometown National Bank is an FDIC-insured commercial bank headquartered in La Salle, IL, established in 1880 (FDIC certificate 3691), and it is supervised by the OCC. At Q2 2026 it reported total assets of $307.2M, down 4.9% from Q2 2025, the 151st largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 19.25% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3691
- Headquarters
- La Salle, IL
- Established
- 1880
- Total assets, Q2 2026
- $307.2M
- Assets vs Q2 2025
- -4.9%
- CET1 ratio, Q2 2026
- 19.25%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071902030
- Latest call report
- Q2 2026, FFIEC 051 · Hometown National Bank call report
- Holding company
- LASALLE BANCORP, INC.
- Asset rank in state
- 151st of 319 in Illinois
Hometown National Bank, based in La Salle, Illinois, reported $307 million in assets at June 30, 2026, down 4.9% from a year earlier. It lost 6.7% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also keeps 3.21 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Loans and deposits moved in opposite directions: over the year loans rose 1.7% and deposits fell 6.7%. The commercial and industrial book ($36 million) is worsening: 0.81% of it is past due or on nonaccrual, up from 0.14% a year earlier.
As of June 30, 2026, Hometown National Bank reported a CET1 capital ratio of 19.25%, a return on assets of 1.19%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 0.73%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Hometown National Bank is the 151st largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets fell 3.9% to $307.2M, loans rose 2.6% and deposits fell 4.6%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 29.4% of total loans, ahead of commercial and industrial loans at 23.3%. Its 2 offices in the FDIC Summary of Deposits are in La Salle, IL and Joliet, IL; its La Salle office books 69% of its branch deposits. By the capital ratios in its Q2 2026 call report, Hometown National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 260 Bucklin St, La Salle, IL 61301
- County
- Lasalle
- Metro Area
- Ottawa, IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 16, 1880
- Former names
- La Salle National Bank (1950-2006)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $265.8M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- -$17K
- Average total assets
- $316.5M
- Average total loans
- $151.2M
- Average interest-bearing deposits
- $200.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3691
- Fed RSSD
- 770639
- Website
- www.myhtnb.bank →
- Parent Holding Company
- LASALLE BANCORP, INC. (RSSD 1209323)
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
Hometown National Bank's total assets moved between a low of $303.4M (Q4 2023) and a high of $328.4M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$307.2M total assets against $323.2M; $273.4M total liabilities against $293.1M.
$151.3M net loans and leases against $148.7M; $265.8M total deposits against $284.9M.
$117.9M securities against $127.4M; $30.9M cash and balances due against $40.1M.
$3.4M total interest income against $3.4M; $935K total interest expense against $1.0M.
$2.5M net interest income against $2.4M.
$750K total noninterest income against $702K; $2.0M total noninterest expense against $2.0M.
No provision recorded in the last 12 quarters.
$940K net income against $857K.
1.19% return on assets against 1.06%; 3.21% net interest margin against 3.07%.
19.25% CET1 capital ratio against 17.97%; 11.30% tier 1 leverage ratio against 10.08%.
Inside the full Hometown National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHometown National Bank rankings
Its closest position to the top of a national ranking is 381 of 2,134, for CET1 ratio; its furthest is 2,841 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.93% (Q1 2026) to 1.22% (Q3 2025) and its net interest margin ran from 2.76% (Q3 2024) to 3.21% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.25% | 1.19% | 0.17% | 0.73% | 3.21% |
| Q1 2026 | 19.54% | 0.93% | 0.19% | 0.80% | 3.06% |
| Q4 2025 | 19.54% | 1.20% | 0.16% | 0.70% | 3.05% |
| Q3 2025 | 18.80% | 1.22% | 0.20% | 0.88% | 3.21% |
| Q2 2025 | 17.97% | 1.06% | 0.20% | 0.95% | 3.07% |
| Q1 2025 | 17.18% | 1.16% | 0.52% | 2.57% | 2.81% |
| Q4 2024 | 18.52% | 1.05% | 0.39% | 1.83% | 2.87% |
| Q3 2024 | 16.94% | 0.96% | 1.66% | 8.05% | 2.76% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Hometown National Bank (main office) | La Salle , IL | 61301 | $182.7M |
| Joliet Branch | Joliet , IL | 60435 | $83.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 176 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 27 applications, 24 loans originated, $5.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $430K approved, $430K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (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 Hometown National Bank
What are Hometown National Bank's total assets?
As of the Q2 2026 filing, Hometown National Bank reported total assets of $307.2 million in its FFIEC call report.
Where is Hometown National Bank headquartered?
It is headquartered in La Salle, IL, United States.
When was Hometown National Bank founded?
It was established in 1880, per the FDIC institution directory.
Is Hometown National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3691). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hometown National Bank?
Hometown National Bank's primary federal regulator is the OCC.
What is Hometown National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.25% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hometown National Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hometown National Bank's Texas Ratio?
Its Texas Ratio is 0.73% 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.
What was Hometown National Bank previously called?
The charter now named Hometown National Bank has also operated as La Salle National Bank (1950-2006), per FDIC structure-change records.
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