Hometown National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hometown National Bank of La Salle, IL against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.19% | 1.34% | -0.15% | 44th below |
| ROAE | 11.19% | 13.32% | -2.13% | 43rd below |
| Net Interest Margin | 3.21% | 3.93% | -0.72% | 16th bottom |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 61.33% | 61.13% | +0.20% | 50th above |
| PPNR / Avg Assets | 1.56% | 1.68% | -0.12% | 49th below |
| Yield on Earning Assets | 4.43% | 5.67% | -1.24% | 7th bottom |
| Cost of Funds | 1.34% | 1.88% | -0.54% | 78th top |
| Net Interest Spread | 2.62% | 3.32% | -0.70% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.94% | -0.77% | 66th above |
| NPA / Total Assets | 0.09% | 0.70% | -0.61% | 72nd above |
| NCO / Avg Loans | -0.03% | 0.16% | -0.19% | 92nd top |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 748.29% | 1546.38% | -798.09% | 79th top |
| Texas Ratio | 0.73% | 7.34% | -6.61% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.25% | 19.48% | -0.23% | 74th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.25% | 19.52% | -0.27% | 74th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.31% | 20.60% | -0.29% | 74th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.30% | 12.14% | -0.84% | 55th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.02% | 11.36% | -0.34% | 60th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.02% | 11.08% | -0.06% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.66% | 80.67% | -23.01% | 85th top |
| Core Deposit Ratio | 96.18% | 86.85% | +9.33% | 90th top |
| Wholesale Funding Ratio | 2.12% | 5.04% | -2.92% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.93% | 6.84% | -11.77% | 5th bottom |
| Loan Growth (Y/Y) | 1.72% | 7.92% | -6.20% | 30th below |
| Deposit Growth (Y/Y) | -6.70% | 6.29% | -12.99% | 4th bottom |
See Hometown National Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hometown National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Hometown National Bank profile, how to read a UBPR, or how this data updates.