TellerScore

Hometown National Bank is a national bank headquartered in La Salle, Illinois, in business for about 146 years. At the end of Q2 2026 it reported $307.2M in total assets and $265.8M in deposits, with 3 offices.

Hometown National Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 79th. Problem-loan coverage contributes the most (99/100, 0.7%); earnings contributes the least (63/100, 1.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.30%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.17%
Earnings63/100
Return on assets (annualized): 1.07%
Funding & liquidity88/100
Loans ÷ deposits and uninsured-deposit share: 56.9% · 26.1% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.73%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (74 → 78), mostly because the capital cushion component improved by 12 points.

TellerScore
606978Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202460
Q4 202473
Q1 202571
Q2 202574
Q3 202575
Q4 202576
Q1 202676
Q2 202678
Tier 1 leverage ratio
5.00%8.15%11.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.74%
Q3 202410.45%
Q4 202410.71%
Q1 20259.66%
Q2 202510.08%
Q3 202510.28%
Q4 202510.49%
Q1 202610.95%
Q2 202611.30%
Noncurrent loans
0.16%0.91%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.64%
Q3 20241.66%
Q4 20240.39%
Q1 20250.52%
Q2 20250.20%
Q3 20250.20%
Q4 20250.16%
Q1 20260.19%
Q2 20260.17%
Return on assets
0.77%0.97%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.77%
Q3 20240.83%
Q4 20240.89%
Q1 20251.17%
Q2 20251.11%
Q3 20251.15%
Q4 20251.17%
Q1 20260.94%
Q2 20261.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$307.2M11.30%0.17%1.07%56.9%
Q1 202676$319.6M10.95%0.19%0.94%52.9%
Q4 202576$319.3M10.49%0.16%1.17%52.7%
Q3 202575$328.4M10.28%0.20%1.15%50.8%
Q2 202574$323.2M10.08%0.20%1.11%52.2%
Q1 202571$325.8M9.66%0.52%1.17%51.6%
Q4 202473$324.2M10.71%0.39%0.89%53.7%
Q3 202460$325.5M10.45%1.66%0.83%55.4%
Q2 202461$309.1M10.74%1.64%0.77%58.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.30%
55th
Total risk-based capital20.31%
87th
Problem loans0.17%
67th
Net charge-offs-0.02%
92nd
Return on assets1.07%
39th
Net interest margin3.20%
16th
Efficiency ratio65.0%
42nd
Loans to deposits56.9%
86th
Uninsured deposits26.1%
42nd
Loan-loss reserves1.28%
61st
Texas ratio0.7%
73rd

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
First Secure State BankBank Wonder Lake, IL68 out of 100, Moderate$305.6M13.0%1.31%vs
Holcomb BankBank Rochelle, IL72 out of 100, Strong$304.8M8.8%0.03%vs
Community BankBank Winslow, IL75 out of 100, Strong$310.8M16.0%1.50%vs
Tompkins State BankBank Avon, IL73 out of 100, Strong$303.5M9.8%0.20%vs
State Bank of GraymontBank Graymont, IL51 out of 100, Below average$312.7M11.8%3.61%vs
Flanagan State BankBank Flanagan, IL67 out of 100, Moderate$300.3M9.6%0.23%vs

Deposit insurance

Is my money safe at Hometown National Bank?

Yes. Hometown National Bank is an FDIC-insured institution (FDIC certificate #3691). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.1% of deposits ($69.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.30%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.31% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Hometown National Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Hometown National Bank reported 27 home-loan applications under HMDA (LEI 254900RAPDJZFI07WS81): 24 originated ($4,970,000 total), 1 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Hometown National Bank
Former names
La Salle National Bank; La Salle National Bank and Trust Company
Type
National bank
FDIC certificate #
3691
RSSD ID
770639
Primary regulator
OCC
Holding company
Lasalle Bcorp Inc
Established
December 16, 1880
Headquarters
260 Bucklin St, La Salle, IL 61301
Employees
45

Quick answers

Hometown National Bank: common questions

Is Hometown National Bank FDIC insured?

Yes. Hometown National Bank is an FDIC-insured institution (FDIC certificate #3691). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Hometown National Bank's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Hometown National Bank ever failed?

There is no failure record for FDIC certificate #3691 in the FDIC failed bank list.

How many branches does Hometown National Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near La Salle

InstitutionScoreAssetsCapitalProblem loansCompare
Ottawa Hiway Credit UnionCredit union Ottawa, IL100 out of 100, Very strong$16.3M16.7%0.00%vs
Peru Federal Savings BankBank Peru, IL87 out of 100, Very strong$208.5M16.4%0.28%vs
Spring Valley City BankBank Spring Valley, IL84 out of 100, Strong$207.0M13.9%0.18%vs
Financial Plus Credit UnionCredit union Ottawa, IL84 out of 100, Strong$607.4M13.2%0.45%vs
Streator Onized Credit UnionCredit union Streator, IL84 out of 100, Strong$423.3M15.6%0.47%vs
North Central BankBank Hennepin, IL82 out of 100, Strong$165.9M12.3%0.26%vs