Hometown National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 14.96 percentage points higher than in Q1 2026, at 748.29%. Hometown National Bank ranks 163rd of 323 Illinois banks on return on assets, in the lower half at 1.19% (Q2 2026). Hometown National Bank reported 1.19% on return on assets for Q2 2026, 0.07 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.25% |
| Tier 1 risk-based capital ratio | 19.25% |
| Total risk-based capital ratio | 20.31% |
| Tier 1 leverage ratio | 11.30% |
| Equity capital to assets | 11.02% |
| Tangible equity to tangible assets | 11.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.17% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 0.73% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 748.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 11.19% |
| Net interest margin | 3.21% |
| Efficiency ratio | 61.33% |
| Yield on earning assets | 4.43% |
| Cost of funds | 1.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.66% |
| Core deposits to total deposits | 96.18% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.52% |
| Securities to assets | 38.38% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.60% | 14.60% | 15.57% | 9.88% | 0.69% |
| Q4 2023 | 15.29% | 15.29% | 16.30% | 10.15% | 0.91% |
| Q1 2024 | 15.93% | 15.93% | 16.90% | 10.57% | 0.75% |
| Q2 2024 | 16.42% | 16.42% | 17.41% | 10.74% | 0.78% |
| Q3 2024 | 16.94% | 16.94% | 17.94% | 10.45% | 0.96% |
| Q4 2024 | 18.52% | 18.52% | 19.58% | 10.71% | 1.05% |
| Q1 2025 | 17.18% | 17.18% | 18.27% | 9.66% | 1.16% |
| Q2 2025 | 17.97% | 17.97% | 19.07% | 10.08% | 1.06% |
| Q3 2025 | 18.80% | 18.80% | 19.92% | 10.28% | 1.22% |
| Q4 2025 | 19.54% | 19.54% | 20.64% | 10.49% | 1.20% |
| Q1 2026 | 19.54% | 19.54% | 20.62% | 10.95% | 0.93% |
| Q2 2026 | 19.25% | 19.25% | 20.31% | 11.30% | 1.19% |
Hometown National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)