# HOMETOWN NATIONAL BANK
LA SALLE, IL · FDIC certificate 3691 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $307.2M | |
| Deposits | $265.8M | |
| Loans and leases | $153.3M | |
| Total equity | $33.9M | |
| Loans / deposits | 56.92% (p10 of band) | 82.04% |
| Liquid assets / assets | 48.45% (p91 of band) | |
| Uninsured deposits / deposits | 26.10% (p51 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.12% (p42 of band) | |
| FHLB advances / assets | 2.12% | |
| Tier 1 leverage | 11.30% (p60 of band) | 10.81% |
| Unrealized securities loss / equity | -7.95% (p50 of band) | -8.10% |
| AOCI / equity | -1.08% (p20 of band) | |
| ROA (annualized) | 1.07% (p37 of band) | 1.28% |
| Net interest margin | 3.20% (p16 of band) | 3.91% |
| Efficiency ratio | 65.02% (p61 of band) | |
| Noncurrent loans | 0.17% (p31 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 748.29% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 9.96% (p14 of band) | |
| Auto loans | $377,000 (0.25% of loans; DQ 5.04%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -6.7% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-12 | 1 | reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | capital falling | reserve under noncurrent |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | NIM <2.5% | capital falling |
| 2022-06 | 1 | AOCI drag >20% of equity | NIM <2.5% |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 5 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2023-03 | 4 | noncurrent p90, uninsured deposits leaving | AOCI drag >20% of equity, deposits shrinking, assets shrinking |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | uninsured deposits leaving |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 2 |  | charge-offs p90 |
| 2024-09 | 3 | uninsured deposits leaving |  |
| 2024-12 | 0 |  | reserve under noncurrent, noncurrent p90, uninsured deposits leaving |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | deposits shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-31 [Hometown National Bank adds $10,000 to IVCC’s Ag Forward campaign - Shaw Local](https://news.google.com/rss/articles/CBMitwFBVV95cUxQN2xqeEVkN1lrNkVnTnhBTGVqS1p4Skp3eGpuUldEWkMyU1g0eEJzMXdnUWFtTzF6VHVWUExSN1dITGVIYlpDelFzTmFZbmFLcExlNGdxdEhfbmZzc2d6MWJVN25OaGNYb2c5UGJfTXF6aUt3dzJERmxtVmFoaUM1QVo0ZTdpUk5XOW85M3ZrTzllOERJZ1ZkUWhyeXN5Zzd6LXFFM3JXZVhfbGFqQXk2SkVGaHlqU0E?oc=5) · Shaw Local
- 2026-07-30 [Canada's Felix Auger-Aliassime enters hometown National Bank Open as a favourite - thecanadianpressnews.ca](https://news.google.com/rss/articles/CBMiggJBVV95cUxQQi00cXpuSDBWbFRIbGF0Uy10eVNQbUJybDRWbnltTFZIdnQxMFBIS25WMnlYejJKWDFleFNRSHFCNDNJQW95ajg3UVVvb3I1R2toUUJmYWtvYkJHbkFlMlJJWkdybHBtZVdIMDhsYk4ydVRHMW83b2NHZ05wTWJfaTRqNzM5em9MakxUX3lfTGV5VXJZenR6RGxBdEJTbGpVU01saHg3ZlFJVkQxNFoxN2JBQkR3Mk4wWEhoTmNQS0xtellDNW5uMUFaRlNjeHh0YWpiRmZCeFo5eVh5TmhtQ3dRejh1SE56QVZuVFJNUWZ4RnQ4ekRhcWNtXzlyNk0wZGc?oc=5) · thecanadianpressnews.ca
- 2026-08-28 [Photos: Hometown Bank Hometown Hero shopping spree at Peru Hy-Vee - Shaw Local](https://news.google.com/rss/articles/CBMirwFBVV95cUxNVzJJa3dhNEtXMU9HVktOd2RHUWJYRjQ5RDQwSWpxT2VIaWRSOGFwQXJ1bzRUcnVLU2JOVXl6UVRMUlFWenBJWTV5NVd0Mmo5OTFHSU8wR3JEbkhmWHlyb1dNbVpaQ3VsVS1TSGlOSkYzS2ZuZ1Jwb3hXVFgtZlJNUmwtVFFlUkRXZTJfem10SjRNTUFuODJwRHVQM25SQ2VjR3JWWktHbmh4UzhoblNN?oc=5) · Shaw Local
- 2026-01-19 [La Salle Council okays TIF for developer acquiring Maytag building - starvedrock.media](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNUlBSS3NBVUFaNkZFdTFLdlo4ZTdEemZpa3pOdWNLaTJqLWNoLVRrQUFUT0xYMExuZEhEbUZLWDgxajZfYmhwQ1ZrYjlGQ1hEM2htcFRXbEljc2o2Qzk3bG5qeTFzNGlHZFNmVEl5OUo3RzBMbHF1d2RnNXFnZkNLbXJxOGplVlV2UHptNndUTWtWd2FKYWVJdDZmSy11N29OZnB2aVB0RzQwbVh2Uk9oZjJTZ0g0bTUzOWkyaFVIbktUWlp2MXpxY1JjM0ZkczVQS25wT3ZLNlpETGxHZmxKb3R4QU84QQ?oc=5) · starvedrock.media
- 2022-08-09 [Senica appointed to Hometown National Bank board - Shaw Local](https://news.google.com/rss/articles/CBMipwFBVV95cUxPNTU3ODlCXzlFZzFlbDUwQ19pam1DZ0c4OUpBMmlxcGFZYUlPZHQ4Z3MwVk03c0E5cjVjTXl5UzdpOXZ1U3gwYmRKX0JqbUk5ZUJ5NjE2clVfaDlLOEd1VkxwZE05WldaeVRLY1ZPcmcyc2xLUDZPNUNzMmlrMjNRMXBIcWw5TU03UUN6d0IxZlV4VklwM0cweUtQU1dUTFFxQVFoOEYxTQ?oc=5) · Shaw Local
- 2024-08-25 [Photos: Hometown National Bank Hero Sweepstakes at Peru HyVee - Shaw Local](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQc3JwTkhZTmdKVVYzUzBoQllRb2NpRW5OU0pJNUwteTdzUG54MDlsakEyNVcyakRtT3JPR1RfNk1qcTZGVVFpVFYxaG1mMGtXYlpfaXJoX2t6dGlqZy1JYkxaSEJoWmhjWkU3NmRObUFQaDFkalRGYml0Mk0wUXhKZzdTUGh1anoxTzd4bTZ4WFFGamtCQjNzY2hDdUhxWUlSdWZBRnhVbmpvdw?oc=5) · Shaw Local
- 2020-10-13 [Hometown National Bank promotes new commercial loan officer - Shaw Local](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPbHAtWGRUcFc5TDRPUGhKc1RCVndXbW9TS2hLMUlPSk9xbjhORjVNU2pFSXhEaTRxN2l5SVBtN2JUc3dXeE52eEdDek5uanJyRFNxVnJnVUJCcktYdkNBZXRBYWgwTmtWQzQzVmdqdGo3TEZJN202WUh2UGxrVmZ3amdocVBXenRSVGVRY2pFQWt5V2ZVN2RJOVpOQWxPZ0ZUMEFYcTlkbDU?oc=5) · Shaw Local
- 2023-05-22 [Police: Indiana woman accused of attempted $15,000 theft from Joliet bank - Shaw Local](https://news.google.com/rss/articles/CBMixwFBVV95cUxPSGFmTmRNckV5SUE2SWFtbWNocExLaml3V1g1SEpMN2U1T19OZkZ3T2IwNGlRUl85YU5SRUZndjBvSXpDS0V6LVhuMXBoajlnOUc2UGkyODVIUEtPWXo2Mnl4cGdBbzVGV1hTZ21ValprSXQwSGg0TG5lRnA5U3lMUnBkcUV0WkR5RU03Ykg2MThKOTB5V2NNenZwZnhLdVkxaGRmS04xendqT3hvTmhjbC1xaUR1aDBIUjNsbTNxMldvWEs0X2x3?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3691 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "3691", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide