BlastPoint's Banking Scorecard
Hometown National Bank
Micro
Specialty: Commercial
IL
FDIC cert 3691
Designations: ✓ Community bank
La Salle, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Hometown National Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.41% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$319.3M
-1.5% YoY
-2.8% QoQ
|
+$101.8M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$146.6M
-3.9% YoY
+0.1% QoQ
|
+$7.4M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$278.1M
-2.1% YoY
-3.6% QoQ
|
+$94.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
1.17%
+30.8% YoY
+1.9% QoQ
|
+0.08% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.08%
+9.1% YoY
+0.7% QoQ
|
-0.77% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
61.50%
-9.0% YoY
-1.3% QoQ
|
-6.22% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.17%
-58.3% YoY
-17.6% QoQ
|
-0.47% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
52.72%
-1.9% YoY
+3.8% QoQ
|
-21.81% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
27.36%
+5.9% YoY
-2.7% QoQ
|
+4.97% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.08%
-59.3% YoY
-15.2% QoQ
|
-0.38% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
19.54%
+5.5% YoY
+3.9% QoQ
|
+10.68% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
0.98%
+2.9% YoY
+32.8% QoQ
|
+0.41% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
0.98%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 0.56%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.54% · Tier avg: 8.85%
77
77th pctile
Total Deposits
Current: $278.1M · Tier avg: $183.7M
76
76th pctile
Total Assets
Current: $319.3M · Tier avg: $217.5M
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.36% · Tier avg: 22.39%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
63
63th pctile
Efficiency Ratio
Current: 61.50% · Tier avg: 67.73%
59
59th pctile
Total Loans
Current: $146.6M · Tier avg: $139.2M
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
19
19th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.85%
16
16th pctile
Loan-to-Deposit Ratio
Current: 52.72% · Tier avg: 74.53%
Top Weaknesses
16
16th pctile
Loan-to-Deposit Ratio
Current: 52.72% · Tier avg: 74.53%
19
19th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.85%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
59
59th pctile
Total Loans
Current: $146.6M · Tier avg: $139.2M
63
63th pctile
Efficiency Ratio
Current: 61.50% · Tier avg: 67.73%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.36% · Tier avg: 22.39%
76
76th pctile
Total Assets
Current: $319.3M · Tier avg: $217.5M
77
77th pctile
Total Deposits
Current: $278.1M · Tier avg: $183.7M
85
85th pctile
Tier 1 Capital Ratio
Current: 19.54% · Tier avg: 8.85%
92
92th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 0.56%