Hometown National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 4.02 percentage points in Q2 2026, from 53.64% to 57.66%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Hometown National Bank is 253rd of 323 on loan-to-deposit ratio, 57.66% as of Q2 2026, below the middle of the field. Hometown National Bank reported 57.66% on loan-to-deposit ratio for Q2 2026, 23.29 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $153.3M |
| Net loans and leases | $151.3M |
| Loans held for sale | $0 |
| Loans to total assets | 49.88% |
| Loan-to-deposit ratio | 57.66% |
| Net loans to equity capital | 4.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.41% |
| Multifamily (5+ residential) | 6.40% |
| Commercial and industrial | 23.34% |
| Consumer | 0.68% |
| Credit cards | 0.00% |
| Farm | 4.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 87.76% |
| Construction concentration (Tier 1 capital + allowance) | 8.94% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.61% |
| Interest income on loans | $2.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $164.9M | $280.0M | 56.76% | 22.27% | 1.46% |
| Q4 2023 | $166.7M | $267.6M | 56.08% | 24.05% | 2.00% |
| Q1 2024 | $161.9M | $272.3M | 56.74% | 23.54% | 1.78% |
| Q2 2024 | $161.4M | $272.5M | 56.17% | 24.27% | 1.78% |
| Q3 2024 | $160.5M | $286.0M | 51.97% | 26.30% | 1.19% |
| Q4 2024 | $154.6M | $284.1M | 45.84% | 24.69% | 0.81% |
| Q1 2025 | $150.9M | $288.6M | 46.23% | 25.00% | 0.72% |
| Q2 2025 | $150.7M | $284.9M | 43.56% | 25.27% | 0.74% |
| Q3 2025 | $148.5M | $288.6M | 43.22% | 24.21% | 0.72% |
| Q4 2025 | $148.6M | $278.1M | 45.06% | 23.58% | 0.92% |
| Q1 2026 | $149.4M | $278.6M | 44.33% | 23.57% | 0.68% |
| Q2 2026 | $153.3M | $265.8M | 42.41% | 23.34% | 0.68% |
Hometown National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown National Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hometown National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3691) · FFIEC NIC profile (RSSD 770639)