BlastPoint's Banking Scorecard

Hometown National Bank

$100M-$1B Specialty: Commercial IL FDIC cert 3691

La Salle, IL

3 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Hometown National Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 9.2% in tier
- Flatlined Growth: Bottom 14.8% in tier
- Deposit Outflow: Bottom 26.5% in tier
- Cost Spiral: Bottom 55.6% in tier
- Net Interest Margin 0.82% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$319.6M -1.9% YoY +0.1% QoQ	-$66.5M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	49%
Total Loans ?	$147.5M -1.0% YoY +0.6% QoQ	-$108.2M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$278.6M -3.5% YoY +0.2% QoQ	-$49.4M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	51%
Return on Assets ?	0.94% -19.7% YoY -19.5% QoQ	-0.33%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	3.11% +8.0% YoY +0.9% QoQ	-0.82%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Bottom 14.8% in tier
Efficiency Ratio ?	68.65% +10.6% YoY +11.6% QoQ	+3.37%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	36%
Delinquency Rate ?	0.19% -63.7% YoY +15.7% QoQ	-0.69%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	52.94% +2.6% YoY +0.4% QoQ	-23.70%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 11.9% in tier
Non-Interest-Bearing Deposit Share ?	26.59% -3.1% YoY -2.8% QoQ	+4.57%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	72%
Nonperforming Asset Ratio ?	0.09% -63.3% YoY +16.3% QoQ	-0.55%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	19.54% +13.7% YoY +0.0% QoQ	+3.71%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Top 14.5% in tier
Non-Interest Income / Assets ?	0.22% -28.3% YoY -77.6% QoQ	-0.06%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 11.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Margin Compression

decline

#29 of 305 • Bottom 9.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.94%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Flatlined Growth

risk

#77 of 512 • Bottom 14.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.94%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#135 of 506 • Bottom 26.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Cost Spiral

risk

#71 of 126 • Bottom 55.6% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 68.65%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

309

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.28%

#309 of 2664 Top 11.6% in $100M-$1B

318

Loan-to-Deposit Ratio

liquidity

Value: 52.94%

Peer Median: 76.64%

#318 of 2664 Top 11.9% in $100M-$1B

388

Tier 1 Capital Ratio

capital

Value: 19.54%

Peer Median: 15.83%

#388 of 2664 Top 14.5% in $100M-$1B

Top Weaknesses (1 metrics)

2272

Net Interest Margin

profitability

Value: 3.11%

Peer Median: 3.93%

#2272 of 2664 Bottom 14.8% in $100M-$1B